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Journal articles on the topic 'Default payment'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

Linde, Sebastian, and Leonard E. Egede. "Trends in charges and association with defaults on medical payments in uninsured Americans: a disproportionate burden in ethnic minorities – a retrospective observational study." BMJ Open 12, no. 5 (2022): e054494. http://dx.doi.org/10.1136/bmjopen-2021-054494.

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ObjectiveTo evaluate whether medical event charges are associated with uninsured patients’ probability of medical payment default and whether there exist racial/ethnic disparity gaps in medical payment defaults.DesignWe use logistic regression models to analyse medical payment defaults. Our adjusted estimates further control for a rich set of patient and medical visit characteristics, region and time fixed effects.SettingUninsured US adult (non-elderly) population from 2002 to 2017.ParticipantsWe use four nationally representative samples of uninsured patients from the Medical Expenditure Pane

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Chen, Jian, Jin Xiang, and Tyler Yang. "International Real Estate Review." International Real Estate Review 21, no. 1 (2018): 1–40. http://dx.doi.org/10.53383/100253.

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During the recent housing recession and financial crisis, mortgage modification has been heavily promoted by the U.S. government as a way to stabilize the housing and the national banking systems. Numerous programs, such as the Home Owners Preserving Equity (HOPE), Home Affordability Modification Program (HAMP), and Home Affordability Refinance Program (HARP), were introduced or enhanced to allow more aggressive modifications than traditionally observed prior to the crisis. Loan modification is believed to be a way to avoid foreclosure and to help borrowers keep their homes. However, the effec

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Afra, Cut, Nahara Eriyanti, and Nasr Mohamed Arif. "SETTLEMENT OF DEFECTS IN MURABAHAH FINANCING AT BANK ACEH SYARIAH REGIONAL BIREUEN, INDONESIA." JURISTA: Jurnal Hukum dan Keadilan 7, no. 2 (2023): 201–21. http://dx.doi.org/10.22373/jurista.v7i2.78.

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This research aims to investigate the procedure for addressing problems in murabahah finance resulting from debtor default. This study uses empirical juridical research methodology, which involves gathering data through interviews, document and report analysis, and other secondary sources. The research findings indicate that default is primarily caused by external factors, including the deteriorating business condition or failure of the customer's business, the customer's unfavourable character, and issues in the installment payment process such as delayed debt payments. The second cause perta

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Salsabila, Fathya, and Susiana -. "Analysis of default in the implementation of the Aceh health insurance program agreement." Jurnal Geuthèë: Penelitian Multidisiplin 7, no. 2 (2024): 117. http://dx.doi.org/10.52626/jg.v7i2.343.

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The implementation of the Aceh Health Insurance program is contained in the Cooperation Agreement between the Government of Aceh and BPJS Health so that the provisions of Article 1338 of the Criminal Code apply. However, in its implementation there is a delay in payment. The purpose of writing this thesis is to explain the factors causing default in the payment of Aceh Health Insurance contributions, efforts to resolve defaults in the implementation of the Aceh Health Insurance program agreement, and obstacles faced in resolving defaults between the Government of Aceh and BPJS Health in the im

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Fuster, Andreas, and Paul S. Willen. "Payment Size, Negative Equity, and Mortgage Default." American Economic Journal: Economic Policy 9, no. 4 (2017): 167–91. http://dx.doi.org/10.1257/pol.20150007.

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This paper studies the treatment effect of monthly payment size on mortgage default, using a sample of adjustable-rate loans that experienced large payment reductions thanks to the recent low interest rate environment. Payment size has an economically large effect on repayment behavior; for instance, cutting the required payment in half reduces the delinquency hazard by about 55 percent. Importantly, the link between payment size and delinquency is equally strong for borrowers that are significantly underwater on their mortgage. Relying on payment reductions for identification circumvents the

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Ayuputri, Ikacipta Mega, Nur Iriawan, and Pratnya Paramitha Oktaviana. "Frequency Model of Credit Payment using Bayesian Geometric Regression and Bayesian Mixture Geometric Regression." MATEMATIKA 34, no. 3 (2018): 103–13. http://dx.doi.org/10.11113/matematika.v34.n3.1143.

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In distributing funds to customers as credit, multi-finance companies have two necessary risks, i.e. prepayment risk, and default risk. The default risk can be minimized by determining the factors that affect the survival of customers to make credit payment, in terms of frequency of credit payments by customers that are distributed geometry. The proposed modelling is using Bayesian Geometric Regression and Bayesian Mixture Geometric Regression. The best model of this research is modelling using Bayesian Geometric Regression method because it has lower DIC values than Bayesian Mixture Geometric

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Ciampi, Francesco. "Using Prior Payment Behavior Variables for Small Enterprise Default Prediction Modelling." International Journal of Business and Management 13, no. 4 (2018): 57. http://dx.doi.org/10.5539/ijbm.v13n4p57.

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This study aims to verify the potential of combining prior payment behavior variables and financial ratios for SE default prediction modelling. Logistic regression was applied to a sample of 980 Italian SEs in order to calculate and compare two categories of default prediction models, one exclusively based on financial ratios and the other based also on company payment behavior related variables. The main findings are: 1) using prior payment behavior variables significantly improves the effectiveness of SE default prediction modelling; ii) the longer the forecast horizon and/or the smaller the

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Kusumo, Obbie Alexander, Kadek Wiwik Indrayanti, Galih Puji Mulyono, and Khotbatul Laila. "Perlindungan Hukum Driver Gofood terhadap Pembatalan Pesanan Oleh Konsumen dengan Metode Cash On Delivery." Bhirawa Law Journal 4, no. 1 (2023): 78–86. http://dx.doi.org/10.26905/blj.v4i1.10339.

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The development of technology for implementing E-Commerce where Gojek as a Food Delivery Service Provider Application through its partners, namely drivers, problems often arise related to canceling food orders by consumers in the Cash On Delivery (COD) payment method in E-commerce transactions. This study contains a formulation of the problem regarding legal protection for gojek drivers against canceling food orders by consumers with the cash on delivery payment method. Based on the results of research on the legal protection of Gojek drivers against canceling food orders by consumers with the

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Dewi, Sri Amanda, and Susilo Wardani. "WANPRESTASI TERHADAP PELAKSANAAN PEMBAYARAN KLAIM DALAM PERJANJIAN ASURANSI PENDIDIKAN." Juris 8, no. 2 (2024): 645–56. https://doi.org/10.56301/juris.v8i2.1441.

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This study aims to determine and analyze the implementation of the agreement between the insured in the Education insurance at PT. AJB Bumiputera Purwokerto and to determine and analyze the legal efforts to resolve the default on the payment of education insurance claims made by PT. AJB Bumiputera 1912 Purwokerto. The data analysis method in this study adopts the normative legal method descriptively to describe the current state of the subject or object of research based on the observed facts. The results of the first study showed that the implementation of the insurance agreement gave rise to

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Charitou, Andreas, Neophytos Lambertides, and Giorgos Theodoulou. "Dividend Increases and Initiations and Default Risk in Equity Returns." Journal of Financial and Quantitative Analysis 46, no. 5 (2011): 1521–43. http://dx.doi.org/10.1017/s0022109011000305.

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AbstractThis study extends the Grullon, Michaely, and Swaminathan (2002) analysis by incorporating default risk. Using data for firms that either increased or initiated cash dividend payments during the 23-year period 1986–2008, we find reduction in default risk. This reduction is shown to be a priced risk factor beyond the Fama and French (1993) risk measures, and it explains the dividend payment decision and the positive market reaction around dividend increases and initiations. Further analysis reveals that the reduction in default risk is a significant factor in explaining the 3-year exces

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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.

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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

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HUSIEV, Artem. "State debt management in the context of Ukraine's economic development." Economics. Finances. Law, no. 5 (May 29, 2020): 21–25. http://dx.doi.org/10.37634/efp.2020.5.3.

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The paper explores the theoretical and methodological basis of the concept of public debt management. The relationship between the problem of public debt and economic development of the country has been revealed. The dynamics of Ukraine's public debt for the period 2010-2019 have been analyzed. The default as a means of state debt policy has been investigated and its main economic consequences are presented. The international experience of managing public debt on the example of Argentina has been analyzed. The economic essence of technical default has been defined and the concept of technical

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Špička, Jindřich. "DEFAULT RISK OF THE CONSTRUCTION COMPANIES IN RELATION TO THEIR FINANCIAL CONDITION." Science and Studies of Accounting and Finance: Problems and Perspectives 9, no. 1 (2014): 236–44. http://dx.doi.org/10.15544/ssaf.2014.26.

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The construction industry is highly sensitive on economic cycle. So, construction companies have experienced hard times in the crisis period. The aim of the article is to identify, compare and evaluate financial position of companies with different payment habits in the Czech construction industry in the period 2008 – 2012 using individual data and suitable statistical methods (Kolmogorov-Smirnov test at the significance level of α = 0.05). The article also focuses on evaluation of the default risk coming from construction companies. The overall financial condition is analyzed through predicti

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Berloco, Claudia, Gianmarco De Francisci Morales, Daniele Frassineti, et al. "Predicting corporate credit risk: Network contagion via trade credit." PLOS ONE 16, no. 4 (2021): e0250115. http://dx.doi.org/10.1371/journal.pone.0250115.

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Trade credit is a payment extension granted by a selling firm to its customer. Companies typically respond to late payments from their customers by delaying payments to suppliers, thus generating a ripple through the transaction network. Therefore, trade credit is as a potential vehicle of propagation of losses in case of default events. The goal of this work is to leverage information on the trade credit among connected firms to predict imminent defaults of firms. We use a unique dataset of client firms of a major Italian bank to investigate firm bankruptcy between October 2016 to March 2018.

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Hayati, Winta, and Taufika Hidayati. "Legal Aspects of Seller's Liability in a Sales and Purchase Agreement with an Installment Payment System." International Journal of Science and Environment (IJSE) 5, no. 2 (2025): 85–89. https://doi.org/10.51601/ijse.v5i2.154.

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System Installment payment system in a sale and purchase agreement has become a common practice in modern trade transactions that require a clear legal basis for the payment of installments. modern trade transactions that require a clear legal basis to protect the rights of the parties. protect the rights of the parties. This research aims to examine the legal aspects of legal aspects of seller liability in a sale and purchase agreement with an installment payment system. installment payment system. This study elaborates on the details of civil law in installment payments, investigates the leg

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Azkiya, Nailur Rohmatul, and Kurniasih Bahagiati. "Legal Remedies Against Distributor Companies for Pending Payment." Et-Tijarie: Jurnal Hukum dan Bisnis Syariah 9, no. 2 (2024): 104–17. https://doi.org/10.21107/ete.v9i2.27227.

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Relationship between CV distributors. New Nirvana and its retailers are bound by an agreement. The agreement agreed upon by both parties is a written agreement, in the form of a sales invoice. The agreement uses a cash, transfer, or tempo COD (Cash on Delivery) payment system with a deadline of one week. However, some retailers made promises and asked for more time. Therefore, the purpose of the study is to find out the implementation of the CV distribution service payment agreement. Nirwana Baru with retail stores, and reviewing legal remedies against CV. Nirwana Baru for late payment and def

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Kurniawan, Chandra, Akhmad Khisni, and Aryani Witasari. "Implementation of Sharia Financing Agreements with Fiduciary Submission of Property Rights to KSPPS BMT Al Hikmah Semesta." Sultan Agung Notary Law Review 3, no. 1 (2021): 226. http://dx.doi.org/10.30659/sanlar.3.1.226-240.

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The research objective is to determine the role of the implementation of the Islamic financing agreement with the transfer of property rights in a fiduciary manner and how to solve the problem if there is default by the debtor, as well as the constraints and solutions in implementing the sharia financing agreement by means of musyarokah. The approach method uses empirical juridical. The data collection technique uses library research and field research. Data were analyzed descriptively qualitatively. The results of the study stated that the implementation of the sharia financing agreement with

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Taufiqurrahman, Taufiqurrahman. "IJTIHÂD MUÂMALAH MÂLIYAH KONTEMPORER DI ERA GLOBALISASI." AL-IHKAM: Jurnal Hukum & Pranata Sosial 2, no. 2 (2019): 183–202. http://dx.doi.org/10.19105/al-lhkam.v2i2.2621.

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Ajaran Islâm beserta hukum-hukumnya dikenal sebagai shâlihun likulli zamân wa likulli makân. Dalam dimensi itulah ijtihâd muâmalah mâliyah kontemporer menjadi keniscayaan untuk diterapkan dalam menjawab problematika transaksi bisnis kontemporer pada era globalisasi ini dengan tetap berpijak pada pokok-pokok ajaran Allâh dan Rasûlullâh saw., sebagai sumber utama hukum Islâm. Artikel ini berkonsentrasi untuk mengupas problema transaksi bisnis, default payment, yang hingga saat ini marak dibahas dan didiskusikan oleh masyarakat ekonomi syarî'ah, di samping juga dibahas pemosisian ijtihâd. Contoh

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Schweikert, Jochen, and Markus Höchstötter. "Epidemiological spreading of mortgage default." International Journal of Housing Markets and Analysis 12, no. 1 (2019): 74–93. http://dx.doi.org/10.1108/ijhma-05-2017-0047.

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Purpose This paper aims to introduce mathematical models to capture the spreading of epidemics to explain the expansion of mortgage default events in the USA. Design/methodology/approach The authors use the state of infectiousness and death to represent the subsequent steps of payment elinquency and default, respectively. As the local economic structure influences regional unemployment, which is a strong driver of mortgage default, the authors model interdependencies of regional mortgage default rates through employment conditions and vicinity. Findings Based on a large sample between 2000 and

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Azzahra Lubis, Adibah, and Mhd Teguh Syuhada Lubis Syuhada Lubis. "Wanprestasi dalam Perjanjian Pinjam Meminjam Uang pada PT. PNM Mekaar (Studi di Kelurahan Sei Putih Barat Kota Medan)." UNES Law Review 6, no. 3 (2024): 8180–88. http://dx.doi.org/10.31933/unesrev.v6i3.1723.

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A money lending and borrowing agreement is an agreement that must be agreed upon by the parties, as well as with PNM Mekaar and customers in Sei Putih Barat Subdistrict, Medan City. Customers who want to borrow money are required to make an agreement that has been made by PNM Mekaar. Of course, there are customers who make loans who default, so this must of course be resolved because it has become an obligation that must be fulfilled. The purpose of this research is to find out agreements for borrowing and borrowing money, to find out the forms of default committed by customers, and to find ou

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Zhang, Yi. "The application of non-Latin language data in traditional cross-border payments : A discussion." Journal of Payments Strategy & Systems 18, no. 3 (2024): 276. http://dx.doi.org/10.69554/iijc8974.

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During the rapid development of globalisation observed over the last few decades, the English language has emerged as the default language for the communication of cross-border payments. Concurrently, the Latinisation of communication has resolved most of the problems related to the use of non-Latin languages. However, with the G20 cross-border payment roadmap promoting connectivity with local payment systems, this paper suggests that supporting the use of non- Latin language data in certain scenarios and transaction channels could improve the efficiency of cross-border payments and help enhan

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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.

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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

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Tobing, Dian Riama L., Lu Sudirman, and Rufinus H. Hutauruk. "Consumer Protection in High Yield Promissory Notes Issued By PT Indosterling Optima Investa." Journal of Law and Policy Transformation 9, no. 1 (2024): 94–107. https://doi.org/10.37253/jlpt.v9i1.9488.

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One of the impacts of the COVID-19 pandemic is the default of high-yield promissory notes issued by PT Indosterling Optima Investa. This default case has led to the criminal trial of the CEO of PT Indosterling Optima Investa, who was acquitted, and the PKPU (Postponement of Debt Payment Obligation) decision stipulating the restructuring of interest payments and principal debt to investors. This research aims to determine the form of responsibility of PT Indosterling Optima Investa as the issuer for the losses suffered by investors due to the default of high-yield promissory notes and what lega

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Somville, Vincent, and Lore Vandewalle. "Saving by Default: Evidence from a Field Experiment in Rural India." American Economic Journal: Applied Economics 10, no. 3 (2018): 39–66. http://dx.doi.org/10.1257/app.20160547.

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Access to banks is rapidly increasing worldwide, and allows account-based instead of cash transfers. We conduct a randomized experiment documenting the impact of the payment method on savings behavior. In India, we allocate identical weekly payments into a bank account (treated) or in cash (control). Savings in the account increase by 131 percent within 3 months, and the effect is long lasting. We also show that cash payments increase consumption and that—once everyone is paid in cash again—the savings patterns no longer differ. We interpret these findings as a default effect, and we further d

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ڈاکٹر محمد سعد صدیقی та سلمان احمد خان. "التزام بالتصدق۔۔۔فقہی وشرعی حیثیت". FIKR-O NAZAR فکر ونظر 48, № 2 (2010): 3–34. https://doi.org/10.52541/fn.v48i2.3884.

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A problem, which Islamic banks face in Murabaha and Ijarah financing, is the danger of default. So, if a client defaults in payment of the price or rental at the due date, the price cannot be increased. In interest based loans, the amount of loan keeps on increasing according to the period of default. But it is prohibited in Islamic Financing. The real solution to this problem is to develop a system where the defaulters are punished by depriving them of getting a financial facility in future. So, the alternative suggestion is that while entering into a Murabaha or Ijarah transaction, client un

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Loreño, Dustin, and Joviel Teves. "Determinants of Repayment Performance of Agricultural Loans Clients of RBDI, Abuyog Branch." International Journal of Research in Vocational Studies (IJRVOCAS) 3, no. 3 (2023): 16–27. http://dx.doi.org/10.53893/ijrvocas.v3i3.213.

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The study aimed to present the profile of the agricultural loan clients of RBDI, describe the loan assessment process, describe the loan monitoring process in RBDI, identify the determinants of loan repayment performance of RBDI agricultural loan clients and to recommend courses of action to improve loan application assessment, loan monitoring, and loan collection activities of RBDI. The study used the Logit Regression Analysis and the model Y = β0 + β1X1 + β2X2 + β3X3 + β4X4 + . . . . . . . βnXn + e was developed. The binary response is non-payment (default) and payment (non-default). The det

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Miller, Chen L. "International Real Estate Review." International Real Estate Review 21, no. 2 (2018): 227–50. http://dx.doi.org/10.53383/100260.

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This paper demonstrates, theoretically and empirically, that shared equity mortgages are a better affordable housing solution than high-leverage lending, in terms of both default reduction and cost to mortgage insurers. Their effectiveness in reducing strategic default is increased when shared equity contracts are conducted in expensive house price areas, during housing bubble periods, with long holding terms, or for borrowers with high expected returns. The paper develops numerical examples with the use of simulation and back-testing, which are applied to Los Angeles. The results show that Lo

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Rendra Nugroho Nur Huda and Moch. Ilfin Nadir. "UPAYA HUKUM PENYELESAIAN WANPRESTASI DALAM PERJANJIAN SEWA MENYEWA KENDARAAN." JOURNAL SAINS STUDENT RESEARCH 1, no. 2 (2023): 895–904. http://dx.doi.org/10.61722/jssr.v1i2.332.

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This journal looks at the legal options available to settle cases involving late payments, such as those involving car rentals and rental contracts. This study's primary goal is to examine the different default settlement options and take into account potential obstacles and solutions for the parties concerned. A combination of empirical research and normative legal analysis is one of the research methodologies employed. This information was gathered by reading up on relevant laws and regulations, reviewing legal literature, and examining court cases involving violations of car rental agreemen

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Renata, Cristiane Araújo De Medeiros, Afonso Bastiande Moura e. Costa João, and de Oliveira Dias Murillo. "Sowing Seeds of Agreement: A Negotiation Case in the Brazilian Citrus Industry." GPH-International Journal of Agriculture and Research 8, no. 5 (2025): 61–71. https://doi.org/10.5281/zenodo.15611558.

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This case study looks at a difficult bargain between a citrus seedling provider (seller) and a rural producer (buyer) in Brazil. The parties signed a contract for the purchase and sale of 112,000 citrus seedlings worth $344,000 (R$ 1,750,000.00, approximately), with payment in 14 monthly installments. However, the buyer defaulted on payments, leading to a critical juncture in the contractual relationship. As the parties sit down to renegotiate, their interests diverge: the seller seeks to deliver all seedlings and receive payment, preferably in cash or reduced installments, while the buyer aim

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Paddrik, Mark, Sriram Rajan, and H. Peyton Young. "Contagion in Derivatives Markets." Management Science 66, no. 8 (2020): 3603–16. http://dx.doi.org/10.1287/mnsc.2019.3354.

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A major credit shock can induce large intraday variation margin payments between counterparties in derivatives markets, which may force some participants to default on their payments. These payment shortfalls become amplified as they cascade through the network of exposures. Using detailed Depository Trust & Clearing Corporation data, we model the full network of exposures, shock-induced payments, initial margin collected, and liquidity buffers for about 900 firms operating in the U.S. credit default swaps market. We estimate the total amount of contagion, the marginal contribution of each

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Iskandar, Hardian. "AKIBAT HUKUM WANPRESTASI PADA KASUS PEMBATALAN KONSER MUSIK." Jurnal Justiciabelen 1, no. 2 (2019): 233. http://dx.doi.org/10.30587/justiciabelen.v1i2.830.

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Due to legal defaults at music concerts result in: First paying for losses that have been experienced by one of the parties. Second, it can result in the cancellation of the agreed agreement. Third, there is a risk transfer and Fourth, paying the case for the case filed before the judge (court). The form of payment intended in this case is the return of tickets by the parties / organizers of music concerts.Costs are any money (including costs) that must be incurred in real terms by the injured party, in this case as a result of default. Whereas the term "loss" is a declining condition (decreas

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Zhang, Ruiyang. "IntroductiontoBondDefaultsandRiskManagementin China." Advances in Economics, Management and Political Sciences 24, no. 1 (2023): 1–5. http://dx.doi.org/10.54254/2754-1169/24/20230404.

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While the bond market is continuously developing and growing, the risks behind them are becoming more and more prominent. Since the bond market broke the rigid payment in 2014, the amount and quantity of bond defaults have been increasing. The decline is to show the characteristics of high credit rating, state -owned background enterprise, and multi-industry diffusion. The occurrence of bond defaults has brought different degrees of damage to related entities. This has a great risk for the bond market. Therefore, in this context, how to effectively deal with the impact of bond default risks on

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Grabowski, Michał. "Virtual IBAN as a Service in the Law of the European Union and Poland." Journal of Risk and Financial Management 15, no. 12 (2022): 566. http://dx.doi.org/10.3390/jrfm15120566.

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The purpose of this paper is to present the two existing virtual account models functioning in the European Union, examine their legal validity and identify the legal challenges related to the functioning of these models. The first model, Mass Payment Accounts, which is related to virtual accounts rather than to virtual IBANs, is the model where the licensed financial institution only provides a business payment (settlement) account, with technical subaccounts, to one of their business clients. The functionality of the subaccounts is limited to reflect and distinguish the incoming payments. Th

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Núñez Mora, José Antonio, Pamela Moncayo, Carlos Franco, Pilar Madrazo-Lemarroy, and Jaime Beltrán. "Loan Default Prediction: A Complete Revision of LendingClub." Revista Mexicana de Economía y Finanzas 18, no. 3 (2023): 1–13. http://dx.doi.org/10.21919/remef.v18i3.886.

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The study aims to determine a credit default prediction model using data from LendingClub. The model estimates the effect of the influential variables on the prediction process of paid and unpaid loans. We implemented the random forest algorithm to identify the variables with the most significant influence on payment or default, addressing nine predictors related to the borrower's credit and payment background. Results confirm that the model’s performance generates a F1 Macro Score that accomplishes 90% in accuracy for the evaluation sample. Contributions of this study include using the comple

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Stahl, Ernst, Thomas Krabichler, and Georg Wittmann. "Risiken der Zahlungsabwicklung im Internet." Der Betriebswirt: Volume 51, Issue 1 51, no. 1 (2010): 29–34. http://dx.doi.org/10.3790/dbw.51.1.29.

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Der Studie „Zahlungsabwicklung im Internet“ zufolge, die von ibi research an der Universität Regensburg basierend auf einer breit angelegten Erhebung veröff entlicht wurde, zählt die Vermeidung von Zahlungsausfällen zu den größten zukünftigen Herausforderungen im Handel über das Internet. Um den Problemen und Anforderungen insbesondere kleiner und mittlerer Unternehmen im Umgang mit Zahlungsausfallrisiken tiefer auf den Grund zu gehen, wurde im Anschluss daran eine weitere umfassende Online-Befragung durchgeführt. Dabei wurden insbesondere die Prozesse von der Kundendatenerhebung und -prüfung

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Bo, Lan, Weiwei Zhang, Chen Chen, and Mingkai Ji. "Security Warning Model of Chinese Corporate Bond Defaults Based on Deep Neural Networks." Security and Communication Networks 2022 (October 8, 2022): 1–16. http://dx.doi.org/10.1155/2022/8152073.

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The Chinese bond market has achieved rapid development over the years. However, since the “rigid payment” in China was broken in 2014, the number and size of bond defaults have climbed up promptly and caused huge volatility in bond and even stock markets. To better manage and control the risk of the Chinese corporate bonds market, deep learning can be used as a helpful tool to predict the corporate default risk. This paper constructs a security warning model based on deep neural networks after a reasonable selection of characteristic indicators. By comparing Multi-Layer Perceptron (MLP) with t

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Maloney, David, Sung-Chul Hong, and Barin Nag. "Economic Disruptions in Repayment of Peer Loans." International Journal of Financial Studies 11, no. 4 (2023): 116. http://dx.doi.org/10.3390/ijfs11040116.

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Economic disruptions can alter the likelihood of defaults on peer-to-peer loans, causing those impacted to adjust. The option to declare economic hardship and temporarily reduce the payment burden can provide some relief. When this occurs, the borrower’s financial qualifications have changed. The qualities instrumental in successfully securing the original loan terms must be reanalyzed to manage risk. This is a critical point in the life of the loan because the declaration of financial hardship can signal that the borrower’s ability to repay has diminished. We present a novel default detection

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Anderson, Nathan B., and Jane K. Dokko. "Liquidity Problems and Early Payment Default among Subprime Mortgages." Finance and Economics Discussion Series 2010, no. 09 (2010): 1–27. http://dx.doi.org/10.17016/feds.2011.09.

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Anderson, Nathan B., and Jane K. Dokko. "Liquidity Problems and Early Payment Default among Subprime Mortgages." Review of Economics and Statistics 98, no. 5 (2016): 897–912. http://dx.doi.org/10.1162/rest_a_00610.

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Laitinen, Erkki K., and Teija Laitinen. "Audit Report in Payment Default Prediction: A Contingency Approach." International Journal of Auditing 13, no. 3 (2009): 259–80. http://dx.doi.org/10.1111/j.1099-1123.2009.00396.x.

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KOÇ, Utku, and Türkan SEVGİLİ. "Consumer loans’ first payment default detection: a predictive model." TURKISH JOURNAL OF ELECTRICAL ENGINEERING & COMPUTER SCIENCES 28, no. 1 (2020): 167–81. http://dx.doi.org/10.3906/elk-1809-190.

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Erol, Isil, and Kanak Patel. "Default risk of wage-indexed payment mortgage in Turkey." Journal of Housing Economics 14, no. 3 (2005): 271–93. http://dx.doi.org/10.1016/j.jhe.2005.07.004.

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Godefroi, Christophe, and Niels Pranger. "The SEPA Payment Account Access scheme is driving ‘open banking’ in the EU beyond the revised Payments Services Directive." Journal of Payments Strategy & Systems 18, no. 4 (2024): 406. https://doi.org/10.69554/askg9092.

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This paper presents the SEPA Payment Account Access (SPAA) scheme, exploring its origins, associated benefits and challenges as well as the related regulatory context. The SPAA scheme covers the set of rules, practices and standards that allow for premium, value-added open banking services beyond the regulatory requirements. The revised Payment Services Directive (PSD2) describes the legal framework for open banking in Europe. It obliges account servicing payment service providers to provide — free of charge — dedicated interfaces to allow regulated third parties to access an account holder’s

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Axfelia, Deviana, Gunardi Lie, and Moody Rizqy Syailendra Putra. "Juridical Analysis of Investor Default Cases with CV Business Entities Related to Cooperation Agreement Letters (Decision 55/Pdt Gs/2022/PN Sby)." QISTINA: Jurnal Multidisiplin Indonesia 2, no. 1 (2023): 515–27. http://dx.doi.org/10.57235/qistina.v2i1.514.

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Basically an agreement is made based on negotiations by the parties, but using standard clauses. One of the default cases that occurred was decided by the Surabaya District Court at the First Level Court with case number 55/Pdt GS/2022/PN Sby. The lawsuit was filed because the Defendant, namely CV AL-FAYYADH, had defaulted on the Plaintiff who is an investor/financier. The method in this study uses normative juridical methods. defaults made by CV AL-FAYYADH did not carry out achievements in payment. The dispute resolution process between CV AL-FAYYADH and Investors used the negotiation route b

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Zhang, Zixuan. "Credit Card Default Prediction based on Machine Learning Techniques." BCP Business & Management 44 (April 27, 2023): 779–85. http://dx.doi.org/10.54691/bcpbm.v44i.4954.

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In recent years, with the development of society and economy, credit cards have been popularized due to their low interest rate and easy payment. However, with the advent of the epidemic era, the unemployment rate has increased, making the probability of credit card defaults rising. The prediction of credit card default helps banks and financial institutions balance the risk and economic interests, contributes to the stable and healthy development of the financial industry, and plays an important role in bank credit control. Therefore, this paper addresses the credit card default prediction pr

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Panetta, Ida Claudia, Elaheh Anjomrouz, Paola Paiardini, and Sabrina Leo. "Digital by Default? A Critical Review of Age-Driven Inequalities in Payment Innovation." Journal of Risk and Financial Management 18, no. 6 (2025): 313. https://doi.org/10.3390/jrfm18060313.

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This paper offers a systematic literature review of age-related disparities in the adoption of digital payment systems, a phenomenon that is becoming increasingly relevant as financial transactions become predominantly digital. Using the SPAR-4-SLR protocol, 66 scholarly contributions published between 2014 and 2024 are examined and categorised into four thematic clusters: demographic determinants, behavioural drivers, structural barriers linked to the grey digital divide, and emerging insights from neurofinance. The review highlights a multifactorial set of barriers that limit older adults’ e

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Salsabilla, Sherly Nur, and Aristoni Aristoni. "Kajian Hukum Ekonomi Syariah dalam Penyelesaian Wanprestasi Praktik Jual Beli Kayu Jati secara Kredit pada Usaha Dagang Berkah Jati Mlonggo Jepara." TAWAZUN : Journal of Sharia Economic Law 6, no. 2 (2023): 258. http://dx.doi.org/10.21043/tawazun.v6i2.22229.

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<p><em>Problems with business activities often end in conflict because one of the parties defaults or does not fulfill the obligations agreed together. This research aims to determine the resolution of defaults in the practice of buying and selling teak wood at the Berkah Jati Mlonggo Jepara Trading Business and analyze it using a Sharia Economic Law approach. The type of method used in this research is field research based on a sociological juridical approach. To obtain information or data, this research uses data sources in the form of primary data and secondary data. Primary dat

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Larionov, Alexander. "The early prediction of bank defaults by central banks." Panoeconomicus, no. 00 (2024): 23. http://dx.doi.org/10.2298/pan200131023l.

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This article elucidates the approach used by central banks to monitor bank stability at an early stage. Existing default prediction models use CAMELS to estimate bank stability. This research, using Russian regional data, suggests that the internal bank data available to central banks are crucial for default prediction and are complementary to CAMELS. The combined use of central bank payment system data and Basel norms improves the quality of default prediction, benefiting from the absence of information asymmetry. The empirical results support the need to use three categories of indicators to

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Ramasari, Risti Dwi, Intan Nurina, and Reza Uyundoya. "GUGATAN WANPRESTASI TERHADAP TUNGGAKAN PEMBAYARAN BARANG FARMASI KEPADA PERUSAHAAB DISTRIBUTOR FARMASI (Studi Putusan Nomor 15/Pdt.Gs/2022/PN.Tjk)." JURNAL RECTUM: Tinjauan Yuridis Penanganan Tindak Pidana 5, no. 1 (2023): 1164. http://dx.doi.org/10.46930/jurnalrectum.v5i1.2936.

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Default comes from the Dutch language "wanprestastie", which means non-fulfillment of achievements or obligations that have been assigned to certain parties in an engagement, both agreements born of an agreement or agreements arising from a law. According to the Legal Dictionary, default means negligence, negligence, default, not fulfilling its obligations in the agreement. Legal Consequences of Default Against Arrears in Payment of Pharmaceutical Goods to Pharmaceutical Distributor Companies in Decision Number 15/Pdt.Gs/2022/ PN. Tjk is that Muhamad Sutedjo must pay his payment obligations to

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A. Kasmianti, Abdulahanaa, and Shadriyah. "Analysis of the Implementation of Murabahah Contract in Fertilizer Payments with a Post-Harvest Payment Scheme from the Perspective of Islamic Financial Institutions." Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review 5, no. 1 (2025): 11. https://doi.org/10.53697/emba.v5i1.2435.

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This study aims to analyze the implementation of the murabahah contract in post-harvest fertilizer payments in Tadang Palie Village, Ulaweng District, Bone Regency, and to assess it from the perspective of Islamic financial institutions. Murabahah is a sale contract in Islamic banking where the purchase price and profit margin are agreed upon at the start of the transaction. The study uses a qualitative descriptive method, with data collected through observation, interviews, and documentation involving corn farmers. The findings show that post-harvest fertilizer payments are commonly practiced

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