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Journal articles on the topic 'Investment loans'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Dr., Vandana Sethi. "MFI's Loans: Evaluating Adequacy, Utilization and Repayment Pattern among Urban Poor Households." Social Science Journal for Advanced Research 4, no. 4 (2024): 41–45. https://doi.org/10.5281/zenodo.13771289.

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Microfinance Institutions (MFIs) offer loans to impoverished individuals for small enterprise investments and consumption expenses. Investment-oriented loans can create jobs and income for poor households while ensuring high repayment rates for MFIs. However, studies suggest that microloans are often too small for effective investment, failing to improve living standards significantly in the long term. This study evaluates the sufficiency, utilization patterns, and repayment trends of MFI loans. Using primary data from 104 households in Delhi slums collected in 2016, the descriptive analysis r

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Onikiienko, Serhii, Mykhailo Dyba, and Iuliia Gernego. "Econometric modelling of bank activities: value-based approach to the problem loans terms’ rescheduling." SHS Web of Conferences 107 (2021): 09002. http://dx.doi.org/10.1051/shsconf/202110709002.

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The permanent state of the financial crisis has predictably brought to the forefront such traditional problem of banking as problem loans. This research aims to work out an econometric approach to the solution of the problem of loans terms’ rescheduling. For this purpose, we, firstly, treated credit as a bank’s investment project with cashflows’ chart including initial outflow (principal) and following inflows represented by loan payments. Secondly, we combined the schematic representation of loan’s cashflows with NPV formula accustomed to loan’s cashflows and it allowed to create the economet

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David Gibson Nababan, Vetric Styven Silaban, Bunga Meylani Br Surbakti, Selvina Audina Nasution, and Sabda Siahaan. "Analysis of Bad Credit at PT. State Savings Bank (BTN)." Indonesian Journal of Business Analytics 3, no. 5 (2023): 1995–2010. http://dx.doi.org/10.55927/ijba.v3i5.4155.

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Bad credit (non-performing loans) at Bank BTN is a reason for investment decisions for the public and investors. By knowing bad credit in a company, it provides clearer information for making investments. This research was conducted to provide information about bad credit at BTN bank, which is one of the most trusted banks in Indonesia. It is hoped that this research will help the public increase their competency in how to invest through the value of bad credit or non-performing loans. This research aims to analyze the influence of bad credit on investment decisions at BTN bank. The research m

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Ge, Wenxia, Tony Kang, Gerald J. Lobo, and Byron Y. Song. "Investment decisions and bank loan contracting." Asian Review of Accounting 25, no. 2 (2017): 262–87. http://dx.doi.org/10.1108/ara-03-2016-0027.

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Purpose The purpose of this paper is to examine how a firm’s investment behavior relates to its subsequent bank loan contracting. Design/methodology/approach Using a sample of US firms during the period 1992-2011, the authors examine the association between overinvestment (underinvestment) and three characteristics of bank loan contracts: loan spread, collateral requirement, and loan maturity. Findings The authors find that overinvesting firms obtain loans with higher loan spreads. Additional tests show that the effect of overinvestment on loan spreads is generally more pronounced in firms wit

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Jaszczuk, Joanna, Anna Białek-Jaworska, Krzysztof Opolski, Marek Sylwestrzak, and Katarzyna Trzpioła. "Leasing Puzzle in Polish Small Firms Listed on the Alternative Market." Central European Economic Journal 5, no. 52 (2019): 25–39. http://dx.doi.org/10.2478/ceej-2018-0006.

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Abstract In this article, we study the substitution between leasing and bank loans in financing the investment of small companies. The analysis is based on financial information about Polish companies listed on NewConnect, which used financial leasing in the period of 2012–2016. We argue that leasing and bank loans are the substitute in financing the investment of small companies. We estimate the probability of financial leasing and its size using the tobit and logit models. We find that financial leasing and bank loan, for Polish small companies, are complementarity. Our empirical results ind

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Rukmana, Mardianti, Sri Ulfa Sentosa, and Melti Roza Adry. "Faktor-Faktor yang Mempengaruhi Penyaluran Kredit Investasi pada Bank Persero di Indonesia." Ecosains: Jurnal Ilmiah Ekonomi dan Pembangunan 8, no. 1 (2019): 19. http://dx.doi.org/10.24036/ecosains.11508057.00.

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This research purpose are to the analyse the minimum reserves, inflation, third parties fund and interest rates on investment loans in terms of lending of investment loans in State Banks in Indonesia. Methods that being used are Ordinary Least Square (OLS), the estimation results show that minimum reserves has a significant on the lending of investment loans in State Banks in Indonesia, inflation has a not significant on the lending of investment loans in State Banks in Indonesia, third parties fund has a significant on the lending of investment loans in State Banks in Indonesia, and interest

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Katsamakas, Evangelos, and J. Manuel Sánchez-Cartas. "Network Formation and Financial Inclusion in P2P Lending: A Computational Model." Systems 10, no. 5 (2022): 155. http://dx.doi.org/10.3390/systems10050155.

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What characteristics of fintech lending platforms improve access to funding and increase financial inclusion? We build a computational model of platform lending that is used to study the endogenous loan network formation process on the platform. Given the multidimensional nature of financial inclusion, we address what factors influence the number of loans, the level of investment/debt, and how those relate to the distribution of investment/debt across agents. We find that platform scale and SME reach are essential in determining the number of loans on the platform. However, the willingness to

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Wulan, Mutiasari Nur, Nindytia Puspitasari Dalimunthe, Tedi Rusman, and Nurdin Nurdin. "Edukasi Financial Ilegal Dalam Bentuk Pinjaman Online dan Investasi Online Berdasarkan Penilaian Otoritas Jasa Keuangan (OJK) Pada Koperasi Kelompok Wanita Tani “Melati Jaya” Kelurahan Sukamenanti Baaru Kecamatan Kedaton Kota Bandar Lampung." BEGAWI : Jurnal Pengabdian Kepada Masyarakat 1, no. 1 (2023): 55–58. http://dx.doi.org/10.23960/begawi.v1i1.12.

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Currently, Fintech does not only enter Banking Financial Institutions, but also Non-Bank Financial Institutions. This can be seen in Financial Technology products circulating on social media, namely online loans and online investments. This condition actually provides convenience to the community, but there is also a negative impact, namely people who are trapped in online loans and online investments. There are many findings of online loan products and illegal online investments, this creates unrest in the community. Therefore, there is a need for education regarding illegal online loans and

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Aganbegyan, A. G. "Prospects for Innovative Development of Russia (Part II)." Russian competition law and economy, no. 2 (June 23, 2023): 16–27. http://dx.doi.org/10.47361/2542-0259-2023-2-34-16-27.

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The article explores the problems of resuming socio-economic growth in Russia based on the intensification of scientific and technological innovative development. A detailed analysis of the state of the Russian national economy in recent decades is given, the reasons for Russia's lag behind developed countries are revealed.The work shows the role of investments in fixed assets and investments in the industry of the "knowledge economy" in ensuring the innovative development of the country, as well as justifies their possibility in Russia at the expense of a number of sources: bank assets, forei

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Aganbegyan, A. G. "Prospects for Innovative Development of Russia (Part I)." Russian competition law and economy, no. 1 (March 29, 2023): 8–21. http://dx.doi.org/10.47361/2542-0259-2023-1-33-8-21.

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The article explores the problems of resuming socio-economic growth in Russia based on the intensification of scientific and technological innovative development. A detailed analysis of the state of the Russian national economy in recent decades is given, the reasons for Russia's lag behind developed countries are revealed.The work shows the role of investments in fixed assets and investments in the industry of the "knowledge economy" in ensuring the innovative development of the country, as well as justifies their possibility in Russia at the expense of a number of sources: bank assets, forei

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Wilson, Linus. "Toxic Asset Subsidies and the Early Redemption of TALF Loans." International Journal of Financial Studies 10, no. 2 (2022): 23. http://dx.doi.org/10.3390/ijfs10020023.

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This paper develops a formula to numerically estimate the unsubsidized, fair-market value of the toxic assets purchased with Federal Reserve loans. It finds that subsidy rates on these loans were on average 33.9 percent at origination. In contrast, by the 3rd quarter of the 2010, there was on average no subsidy in TALF loans. The theoretical model is used to predict the early redemption of Term Asset-Backed Securities Loan Facility (TALF) loans used to purchase commercial mortgage-backed securities (CMBS). The predictions of the model are strongly supported by the data. In addition, this paper

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Saleh, Amany, QianQian Yu, Steve H. Leslie, and John Seydel. "Gender Equity, Student Loans and Returns on Investment in American Higher Education." International Journal of Sociology of Education 6, no. 2 (2017): 216. http://dx.doi.org/10.17583/rise.2017.2633.

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This study examines practices that impact females’ earnings and, in particular, their ability to repay student loans. Salary inequities experienced by female college graduates along with student loans are addressed. The authors offer a quantitative model for highlighting the inequity in the American workforce considering female’s lower salaries and higher student loans by examining the payback period associated with the investment in college education. Results indicate that, while the payback period for investments on college loans is increasing for both males and females, this trend is signif

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Balina, Rafał, Adam Zajac, and Marta Idasz-Balina. "ECONOMIC CONDITIONS OF THE DEMAND FOR INVESTMENT AND WORKING CAPITAL LOANS FOR MICRO-ENTERPRISES – RESEARCH FOR POLAND DURING COVID-19." Acta Scientiarum Polonorum. Oeconomia 22, no. 2 (2024): 5–16. http://dx.doi.org/10.22630/aspe.2023.22.2.8.

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Aim: The study aims to find an answer to the question of whether and how the economic indicators in the industrial processing, construction, trade, and services sectors reflect changes in the market size related to investments and working capital loans for micro-enterprises. Methods: The study used data on investment and working capital loans and data on economic conditions. Monthly data for the years 2019–2021, covering the period of the COVID-19 pandemic, were used for the analyses. The estimation of dynamic models was carried out using the Generalized Method of Moments (GMM). Results: The c

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Vilchynskyi, Oleksandr. "CURRENT TRENDS IN THE IMPLEMENTATION OF THE STATE FINANCIAL POLICY OF INTENSIFICATION OF INVESTMENT." Problems and prospects of economics and management, no. 1(33) (2023): 198–212. http://dx.doi.org/10.25140/2411-5215-2023-1(33)-198-212.

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The article is concerned with studying the current trends in the State financial policy of intensifi-cation of investment. The analysis of capital investments as one of the main target indicators of the State financial policy of activation of investment activity is carried out. The scheme of influence of the instru-ments of the state financial policy of activation of investment activity on the main sources of financing of capital investments is proposed. The article considers tax incentives as an instrument of the State financial policy of activation of investment activity, which provides for

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Bashir, Hira, Durr e. Shahwar Khan, and Asia Karim. "Chinese Investment in Latin America: A Case Study of Argentina, and Venezuela." Journal of Research in Social Sciences 13, no. 1 (2025): 43–54. https://doi.org/10.52015/jrss.13i1.273.

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This article examines the growing influence of Chinese investments in Latin America, focusing on Venezuela and Argentina. It explores how these countries benefit from Chinese capital and how this investment impacts their economies. Venezuela has relied on oil-backed loans to sustain its political system, worsening its economic challenges. In contrast, Argentina has channeled Chinese investment into infrastructure, including hydroelectric dams, nuclear plants, railway modernization, and energy diversification projects. The study highlights that while infrastructure investment can enhance econom

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Batyaeva, A. "Pandemic restrictions are over: an overview of changes in the main economic indicators of enterprises. Part 2. Investment activity of enterprises and changes in the output structure." Russian Economic Barometer, no. 1 (2023): 3–12. http://dx.doi.org/10.20542/reb.rus-2023-1-3-12.

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The article considers several aspects of the investment activity of enterprises (the involvement of enterprises in investment activities, the effectiveness of investments, the payback period, the availability of investment loans, production and technological innovations and changes in the structure of output). The main goal is to compare various characteristics of the investment behavior of enterprises during the period of COVID restrictions with the situation before their introduction and immediately after their removal. Contrary to trendy expectations, COVID restrictions did not collapse the

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Batyaeva, A. "Pandemic Restrictions Are Over: An Overview of Changes in the Main Economic Indicators of Enterprises. Part 2. Investment activity of enterprises and changes in the output structure." Russian Economic Barometer (QuE), no. 1 (2023): 3–12. http://dx.doi.org/10.20542/reb.eng-2023-1-3-12.

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The article considers several aspects of the investment activity of enterprises (the involvement of enterprises in investment activity, the effectiveness of investments, the payback period, the availability of investment loans, product and technological innovations and changes in the structure of output). The main target is to compare various characteristics of the investment behavior of enterprises during the period of COVID restrictions with the situation before their introduction and immediately after their removal. Contrary to popular expectations, COVID restrictions did not cause the coll

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Hamid, Md Kaysher. "Determinants of Non-Performing Loans: Perception of Bankers in Bangladesh." International Journal of Research and Innovation in Social Science VII, no. XII (2024): 1975–89. http://dx.doi.org/10.47772/ijriss.2023.7012152.

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This study attempts to explore the determinants of non-performing loans in banking sector of Bangladesh based on the perception of bankers. To represent the bank-specific determinants of non-performing loans, bank profitability, lending rate, bank total assets, transparency in loan authorization, credit assessment, bank age, and corporate governance are considered. On the other hand, gross domestic product, inflation rate, unemployment rate, exchange rate, foreign direct investment, and export growth are used to represent macroeconomic determinants. Bankers working in Dhaka city have been cons

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Kelly, Austin, Nelson J. Lacey, and Mark E. Potter. "Valuing Federal Disaster Loans for Investment." Journal of Alternative Investments 1, no. 3 (1998): 43–53. http://dx.doi.org/10.3905/jai.1998.407865.

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Maherika, Maherika, Rahma Nurjanah, and Erni Achmad. "Analisis pengaruh kredit perbankan terhadap pertumbuhan ekonomi Kota Jambi." e-Journal Perdagangan Industri dan Moneter 7, no. 1 (2019): 1–12. http://dx.doi.org/10.22437/pim.v7i1.8788.

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This study aims to: 1) To find out and analyze the development of working capital loans, investment loans, consumer loans and the Economic Growth of the City of Jambi in the period 2002 - 2017; 2) To find out and analyze the effect of working capital loans on the economic growth of the City of Jambi in the period 2002 - 2017; 3) To find out and analyze the effect of investment credit on the economic growth of Jambi City in the period 2002 - 2017; and 4) To find out and analyze the effect of consumer credit on the economic growth of Jambi City in the period 2002 - 2017. The research analysis to

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Yoshino, Naoyuki, and Eisuke Sakakibara. "The Current State of the Japanese Economy and Remedies." Asian Economic Papers 1, no. 2 (2002): 110–26. http://dx.doi.org/10.1162/15353510260187436.

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Japan has reached the limits of conventional macroeconomic policies. Lowering interest rates will not stimulate the economy because widespread excess capacity has made private investment insensitive to interest rate changes. Increasing government expenditure in the usual way will have small effects because it will take the form of unproductive investment in the rural areas. Cutting taxes will not increase consumption because workers are concerned about job security and future pension and medical benefits. Expanding the monetary base will not induce banks to increase investment loans because th

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Korobov, Yury, Sergey Bogomolov, Larisa Ilyina, and Marina Plotnikova. "On the Relationship between Bank Lending Indicators and General Economic Indicators." SHS Web of Conferences 91 (2021): 01011. http://dx.doi.org/10.1051/shsconf/20219101011.

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One of the most important tasks of any state is to ensure stable economic growth. Banks can play an important role in performing this task, primarily by providing loans. The purpose of the study is to identify the relationship between indicators of banks’ lending activity and general indicators of economic development. Index of physical volume of GDP and index of physical volume of fixed capital investment were selected as resultant economic indicators, and growth rate of debt on bank loans (overall and by loan types), the share of loans in fixed capital investment, and the ratio of debt on ba

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Kalimashi, Albina, Skender Ahmeti, and Muhamet Aliu. "The Relationship between Liquidity Risk Management and Commercial Bank Performance: Evidence from the Western Balkans." International Journal of Applied Economics, Finance and Accounting 14, no. 2 (2022): 129–36. http://dx.doi.org/10.33094/ijaefa.v14i2.689.

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The current study examines the relationship between liquidity risk management and the performance of commercial banks in the Western Balkans between 2015 to 2020. This relationship is examined by using secondary data from the financial statements. Financial performance is measured by return on assets, equity and net interest margin. Liquidity risk is represented by the quick ratio, current ratio, loan-to-deposits ratio, loan-to-assets ratio, cash and investment-to-deposit ratio, capital adequacy and interest coverage ratio. The Ordinary Least Squares model was used to process the data. The stu

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Ruta, Michele, and Monika Sztajerowska. "Shifting Advantages." IMF Working Papers 2025, no. 080 (2025): 1. https://doi.org/10.5089/9798229009096.001.

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Industrial policies have been on the rise with subsidies provided to firms accounting for the lion’s share of interventions. The effects of these measures on productivity, trade, investment and other economic and non-economic variables are largely an open question. This paper examines empirically the link between subsidies and inward cross-border investment using data on greenfield investments across a large sample of advanced and emerging economies between 2010 and 2020. Employing a difference-in-difference approach, we find that—while the average effect of all subsidies is zero—financial sub

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Ulima Nathania Tamba, Devina, Mohammad Benny Alexandri, and Farisadri Fauzan. "The Effect Of Non Performing Loan (NPL) On Earning Per share (EPS), Return On Investment (ROI), And Rate Of Return (ROR) In BUMN Banks Listed On The Indonesia Stock Exchange (IDX) From 2013-2022." Journal of Accounting and Finance Management 5, no. 3 (2024): 206–18. https://doi.org/10.38035/jafm.v5i3.565.

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The aim of this research is to determine the effect of Non-Performing Loans (NPL) on Earning Per Share (EPS), Return on Investment (ROI), and Rate of Return (ROR) in state-owned banks listed on the Indonesia Stock Exchange (BEI) for the period 2013- 2022. Researchers used quantitative research methods with samples in the research, namely four state-owned banks listed on the BE, using SEM (Structural Equation Modeling) and the Partial Least Square (PLS) approach as methods in the research process. Research findings show that Non Performing Loans (NPL) have a significant effect on Earning Per Sh

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Nguyen, Lan Thi Phuong, Wisdom Kalabeke, Saravanan Muthaiyah, Ming Yu Cheng, Kwan Jing Hui, and Hazik Mohamed. "P2P lending platforms in Malaysia: What do we know?" F1000Research 10 (October 26, 2021): 1088. http://dx.doi.org/10.12688/f1000research.73410.1.

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Background - With the recent evolution of Financial Technology (FinTech), 11 peers to peer (P2P) lending platforms have been regulated by the Securities Commission in Malaysia since 2016. P2P lending platforms offer new investment opportunities to individual investors to earn higher rates on return than what traditional lenders usually provide. However, individual investors may face higher potential risks of default from their borrowers. Therefore, individual investors need to understand the potential exposure to such P2P lending platforms to make an effective investment decision. This study a

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Nguyen, Lan Thi Phuong, Wisdom Kalabeke, Saravanan Muthaiyah, Ming Yu Cheng, Kwan Jing Hui, and Hazik Mohamed. "P2P lending platforms in Malaysia: What do we know?" F1000Research 10 (April 4, 2022): 1088. http://dx.doi.org/10.12688/f1000research.73410.2.

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Background - With the recent evolution of Financial Technology (FinTech), 11 peers to peer (P2P) lending platforms have been regulated by the Securities Commission in Malaysia since 2016. P2P lending platforms offer new investment opportunities to individual investors to earn higher rates on return than what traditional lenders usually provide. However, individual investors may face higher potential risks of default from their borrowers. Therefore, individual investors need to understand the potential exposure to such P2P lending platforms to make an effective investment decision. This study a

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Nguyen, Lan Thi Phuong, Wisdom Kalabeke, Saravanan Muthaiyah, Ming Yu Cheng, Kwan Jing Hui, and Hazik Mohamed. "P2P lending platforms in Malaysia: What do we know?" F1000Research 10 (April 14, 2023): 1088. http://dx.doi.org/10.12688/f1000research.73410.3.

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Background - With the recent evolution of Financial Technology (FinTech), 11 peers to peer (P2P) lending platforms have been regulated by the Securities Commission in Malaysia since 2016. P2P lending platforms offer new investment opportunities to individual investors to earn higher rates on return than what traditional lenders usually provide. However, individual investors may face higher potential risks of default from their borrowers. Therefore, individual investors need to understand the potential exposure to such P2P lending platforms to make an effective investment decision. This study a

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Aziz, Asooda. "Loan Recovery in Maimana Islamic Investment and Finance Cooperative Microfinance Institution." Integrated Journal for Research in Arts and Humanities 4, no. 2 (2024): 29–33. http://dx.doi.org/10.55544/ijrah.4.2.4.

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MIIFC is one of the financial institutions operating in financial sector in Faryab province of Afghanistan. One of the most important problems of financial institutions is the recovery of the loans from the borrowers. The purpose of this study is to find the determinants of loan recovery in MIIFC micro finance institution. The statistical population of this research is the borrowers of MIIFC micro finance institution, the sample size is 300 and the stratified random sampling technique was employed. The study used both descriptive and inferential statistic, the quantitative method has been anal

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Bucsky, Péter. "Afrikai vasutak kínai segítséggel – Kinek éri meg?" Afrika Tanulmányok / Hungarian Journal of African Studies 12, no. 1-3. (2018): 55–78. http://dx.doi.org/10.15170/at.2018.12.1-3.3.

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In Kenya and Ethiopia the new railways financed by Chinese loans and built by Chinese technology and by Chinese companies are already in service. Lot of people see these as a boost for development, but both of them are upgrades of already existent lines. It is questionable whether or not the countries will be able to repay the costs of these investments, and the railways can generate so high additional growth that can finance the loans. There are also other options for railway development than Chinese loans and it is interesting to analyse which option is the most straightforward and beneficia

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Iastremska, O., T. Ivanova, T. Ordukhanov, O. Denysiuk, and M. Zinchenko. "Investment policy of construction enterprises under the conditions of marital state." Naukovyi Visnyk Natsionalnoho Hirnychoho Universytetu, no. 1 (February 29, 2024): 197–202. http://dx.doi.org/10.33271/nvngu/2024-1/197.

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Purpose. Studying the investment policy in construction in wartime conditions, namely: determining the general characteristics of the investment process in construction in wartime conditions; identification of factors affecting investment activity; analysis of the problems of investment activity in these conditions; development of recommendations for improvement of investment policy in construction in wartime conditions. Methodology. In the process of studying the investment policy of construction enterprises in the conditions of martial law, the following methods were used: expert assessment

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Abdulah, Liyth I. Kh, and Bassim F. Latif. "Estimation and Analysis of the Agricultural Investment Model in Iraq (1990-2020) using the Autoregressive Distributed Lag Methodology." Kirkuk University Journal For Agricultural Sciences 14, no. 3 (2023): 375–89. http://dx.doi.org/10.58928/ku23.14337.

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In this research, the effects of some financial and economic determinants of agricultural investment in Iraq during the period (1990-2020) were analyzed using the autoregressive distributed lag (ARDL) methodology. In this context, agricultural loans, inflation rate, budget deficit, exchange rate, and financial allocations to support agricultural projects were chosen as determinants of agricultural investment. The problem of the research is that the Iraqi agricultural sector possesses many components and capabilities that encourage investment, but it suffers from low investments directed to it.

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Zhang, Lingxiao, Ke Zhang, and Yuriy Bilan. "GREEN FINANCIAL POLICY AND INVESTMENT-FINANCING MATURITY MISMATCH OF ENTERPRISES." Journal of Business Economics and Management 25, no. 3 (2024): 590–611. http://dx.doi.org/10.3846/jbem.2024.21609.

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Green financial policies play an important role in acceleration of China’s green transformation. Existing associated studies mainly focus on the qualitative analysis and descriptive analysis. However, it still lacks empirical studies. To explore the relationship between green finance policies and the investment and financing terms of enterprises, the effects of green financial policies on investment-financing maturity mismatch of A-share companies on Shanghai Stock Exchange and Shenzhen Stock Exchange from 2009 to 2020 were investigated in this study by a difference-in-difference (DID) model.

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Memba, Albert Zephaniah, and Zhao Zun Feng. "Performance of the Higher Education Students Loans Board in Human Capital Investment from 2005-2015." Higher Education Studies 6, no. 3 (2016): 48. http://dx.doi.org/10.5539/hes.v6n3p48.

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<p>Many studies conducted on the Higher Education Students Loans Board (HESLB) have mostly concentrated on its success, sustainability and effectiveness on loans issuance and repayment. None had focused on its performance towards human capital investment. This study sought to explain and analyze HESLB’s performance in human capital investment, which in this study has been operationalized as financing of higher education.</p><p>The study retraced the development of Higher education financing from early days of independence in Tanzania to the inception and operationalization of

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Zulkarnain, Zulkarnain, and Sally Maria Bramana. "ANALISIS PINJAMAN BERMASALAH (LAR) TERHADAP RETURN ON INVESTMENT (ROI) UPK BUNGA TANJUNG PADA PINJAMAN BERGULIR PROGRAM KOTATANPA KUMUH (KOTAKU) DI DESA TANJUNG BARU KECAMATAN BATURAJA TIMUR." Jurnal Ecoment Global 5, no. 1 (2020): 98. http://dx.doi.org/10.35908/jeg.v5i1.867.

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<p>This study aims to determine whether the problem loans (LAR) affect the Return on Investment (ROI) UPK Bunga Tanjung on the Loans without Slums City Program (KOTAKU) in Tanjung Baru Village, East Baturaja District. The method used in this research is descriptive method. By using qualitative and quantitative data analysis techniques. The results obtained by the ratio of problem loans (LAR) UPK Bunga Tanjung in the Revolving Loans of the City without Slums Program (KOTAKU) in Tanjung Baru Village, East Baturaja Subdistrict always increase with an average ratio of 15.53%. While the Retur

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Timin, Alexandr N., and Ekaterina S. Sapozhnikova. "PROBLEMS OF ENSURING INVESTMENT ACTIVITY AT AGRICULTURAL ENTERPRISES." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 12/6, no. 120 (2021): 49–61. http://dx.doi.org/10.36871/ek.up.p.r.2021.12.06.007.

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The authors consider the issues of ensuring the necessary volume of investments of agricultural enterprises on the example of the Kirov region, the Volga Federal District and the Russian Federation as a whole. The ratio of the profitability of assets of agricultural enterprises and the average rate of bank loans required for the renewal of fixed assets is considered. Based on the analysis carried out, it is concluded that it is necessary to subsidize the rate on investment loans from the state, and an assessment of the amount of subsidies is carried out.

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Paluszynski, Radoslaw, and Pei Cheng Yu. "Efficient Consolidation of Incentives for Education and Retirement Savings." American Economic Journal: Macroeconomics 15, no. 3 (2023): 153–90. http://dx.doi.org/10.1257/mac.20200181.

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We study optimal tax policies with human capital investment and retirement savings for present-biased agents. Agents are heterogeneous in their innate ability and make risky education investments, which determines their labor productivity. We demonstrate that the optimal distortions vary with education status. In particular, the optimal policy encourages human capital investment with savings incentives. Our implementation uses income-contingent student loans and existing retirement policies, augmented by a new tax instrument that subsidizes retirement savings for college graduates. The instrum

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Suyarov, Kamoliddin Jamol ugli. "INVESTMENT LOANS OF BANKS AND THEIR PLACE IN BANK CREDIT PORTFOLIO." INTERNATIONAL BULLETIN OF APPLIED SCIENCE AND TECHNOLOGY 3, no. 8 (2023): 203–5. https://doi.org/10.5281/zenodo.8285990.

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Each bank has a specialist who keeps accounts of the loan portfolio.  This will allow you to assess the financial situation of the company and make important decisions regarding the return of funds, if necessary.  This article examines what innovative loans and loan portfolios of banks are and how they happen.

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Storonyanska, Iryna Z., and Liliya Ya Benovska. "The Peculiarities of Investment and Credit Provision of the Development of Regions in Wartime Conditions." Business Inform 5, no. 544 (2023): 53–59. http://dx.doi.org/10.32983/2222-4459-2023-5-53-59.

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During wartime, the economic development of the regions is influenced by risks, investment and credit activities turned out to be the most sensitive to threats. The decisive factor in the development of regions has become the security factor, that is, dependence on the spatial location of the region. In such circumstances, uncertainty about the future increases, which changes the behavior of economic actors and increases irrationality of the economy as such. The article is aimed at identifying the peculiarities and risks of investment and credit provision of the development of regions in warti

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Stola, Emilia, and Artur Stefański. "Zmienność struktury kredytowej a wielkość banku na przykładzie wybranych banków spółdzielczych." Zarządzanie Finansami i Rachunkowość 5, no. 3 (2017): 89–100. http://dx.doi.org/10.22630/zfir.2017.5.3.20.

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The cooperative banks to be competitive in banking sector relative to the commercial banks and others banking institution had to pursue of customers’ credit request. It seems, that bank granted investments loans, which are quantified by smaller dynamics than retail loans. However individual bank’s commitment in this situation is relatively higher. Therefore is a question whether the genre structure of granted loans is being determined by the size of the bank? The aim of the elaboration was to determine the diversification level of loans’ structure due to bank’s size. The analysis of variance c

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.H. Al-Bujabir, Hayder. "Measuring and analyzing the impact of bank deposits on paid loans and financial investment for the period 2003-2020." Muthanna Journal of Administrative and Economic Sciences 14, no. 4 (2024): 284–96. https://doi.org/10.52113/6/2024-14-4/284-296.

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The financial system is generally divided into deposit financial institutions and non-deposit financial institutions. The difference between the two types is that the first type relies mainly on deposits and is one of the sources of obtaining funds to use those resources, whether by lending or investing them directly in the banking system. In contrast, the second type relies mainly on its expertise and financial resources. What concerns us in this research is determining the role of deposits of various types in activating and activating investment and the extent of the ability and potential of

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Chi, Guotai, Shijie Ding, and Xiankun Peng. "Data-Driven Robust Credit Portfolio Optimization for Investment Decisions in P2P Lending." Mathematical Problems in Engineering 2019 (January 2, 2019): 1–10. http://dx.doi.org/10.1155/2019/1902970.

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Peer-to-Peer (P2P) lending has attracted increasing attention recently. As an emerging micro-finance platform, P2P lending plays roles in removing intermediaries, reducing transaction costs, and increasing the benefits of both borrowers and lenders. However, for the P2P lending investment, there are two major challenges, the deficiency of loans’ historical observations about the certain borrower and the ambiguity problem of estimated loans’ distribution. In order to solve the difficulties, this paper proposes a data-driven robust model of portfolio optimization with relative entropy constraint

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Charoontham, Kittiphod, and Kessara Kanchanapoom. "Credit derivatives design to facilitate loan purchase agreements in the secondary loan market in Thailand." Journal of Asia Business Studies 14, no. 5 (2020): 561–80. http://dx.doi.org/10.1108/jabs-02-2019-0050.

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Purpose This paper aims to study a strategic decision of banks in Thailand to signal their types to the market and derive the optimal credit derivatives contract to guarantee their loans and credibly signal their quality under different economic determinants, namely, the maximum credit risk investment constraint, opportunity cost and opaqueness of the credit derivative market. Design/methodology/approach Contract theory is deployed to derive the expected payoff of different bank types under different economic and financial constraints. Hence, different bank types offer derivatives contracts to

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Polishchuk, Natalia, Nadia Golda, and Angelina Yuzdepska. "Mortgage lending as a long-term form of investment." Galician economic journal 94, no. 3 (2025): 102–10. https://doi.org/10.33108/galicianvisnyk_tntu2025.03.102.

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The article examines the state of mortgage lending in Ukraine, the features of its development, and the analysis of the main trends in the mortgage market. The issuance of new mortgages in 2021–2024 takes into account, in particular, changes in the distribution of the primary and secondary real estate markets. The main factors influencing the amounts of mortgage loans are highlighted, including macroeconomic conditions, interest rates, government support, and changes in the preferences of home buyers. It is proven that thanks to mortgages, banks have the opportunity to invest in real estate, w

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Jiang, Wei, and Yeqin Zeng. "State ownership, bank loans, and corporate investment." International Review of Economics & Finance 32 (July 2014): 92–116. http://dx.doi.org/10.1016/j.iref.2014.01.009.

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Pastushenko, P. P., and V. M. Vasylkovskyi. "CREDIT AND INVESTMENT ACTIVITY IN THE CONDITIONS OF THE COVID-19 PANDEMIC." Соціальний Калейдоскоп 1, no. 3 (2020): 51–59. http://dx.doi.org/10.47567/bomivit.1-3.2020.06.

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The article is devoted to the practical analysis of credit and investment activity in the conditions of the COVID-19 pandemic. A vision of the factors influencing the COVID- 19 pandemic on the global economy has been formed. The dynamics of issued loans is analyzed and the scale of lending activity is calculated. It is noted that the impact of the COVID-19 pandemic on lending occurs in the presence of the following risks: declining incomes of potential borrowers limit their ability to service loans, and there is uncertainty about the recovery of income of citizens and businesses in the near fu

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Ammar, Yassir, Marwan Abdulrasoul, and Akram Khashea. "Assessment of the Efficiency of Private Commercial Banks Deposit Employment in Banking Investment - case study of Iraq for the period 2017-2021." Al Kut Journal of Economics and Administrative Sciences 16, no. 51 (2024): 631–58. http://dx.doi.org/10.29124/kjeas.1651.28.

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The research aims to evaluate the efficiency of employing bank deposits on the functions of investment and bank loans for the period from 2017 to 2021. The research sample included 19 private commercial banks listed on the Iraq Stock Exchange, and data was collected from financial statement reports published on the Iraq Stock Exchange. The Panel Least Squares system was used to analyze the data, and the research concluded that there is no statistically significant effect between deposits, investment, and bank loans. The research recommended emphasizing the contribution of commercial banks to t

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Nurwulian, Zain, and Erni Puji Astutik. "ANALISIS PENGARUH PINJAMAN DARI PIHAK ASING TERHADAP PERTUMBUHAN EKONOMI DI INDONESIA." JURNAL MANEKSI 12, no. 1 (2023): 158–62. http://dx.doi.org/10.31959/jm.v12i1.1426.

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This study aims to analyze the effect of loans from foreign parties on economic growth in Indonesia. This study used a qualitative method with a literature review approach. The results of this study show that economic growth in Indonesia is significantly influenced by loans to foreigners. This loan is used as a source of coffers for development, especially to overcome the imbalance of domestic savings and investment. This loan also helps increase the efficiency, effectiveness and productivity of economic activities for the benefit of the people.

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PRATIWI, I. GUSTI AYU MADE AGUNG MAS ANDRIANI, and I. WAYAN SUARBAWA. "PERAN PINJAMAN PERBANKAN TERHADAP PERTUMBUHAN EKONOMI DI PROVINSI BALI." GANEC SWARA 18, no. 4 (2024): 2545. https://doi.org/10.35327/gara.v18i4.1206.

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Sustainable economic growth reflects increased economic activity, which ultimately contributes to improving people's welfare. Economic growth in Bali Province has experienced fluctuations over the past five years, one of the causes is the covid-19 pandemic which has shaken the regional economy. One of the instruments needed to support post-pandemic economic recovery is the use of financial instruments, namely bank lending. This research is focused on discussing the description of bank loans associated with economic growth in Bali Province. The purpose of this study is to determine the effect o

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Yu, Yu. "Relationship investment and reciprocity: an empirical investigation." Journal of Business & Industrial Marketing 30, no. 5 (2015): 637–47. http://dx.doi.org/10.1108/jbim-11-2013-0246.

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Purpose – The purpose of this paper is to quantify the monetary amount of relationship investment in an investment banking context, investigate the drivers behind these relationship investments and look for evidence indicating reciprocity from the clients who receive these relationship investments. Relationship marketing has been one of the dominant mantras in marketing strategy circles, yet there is a lack of empirical evidence to prove significant relationship investment and reciprocity between exchange partners. Design/methodology/approach – Relationship investment as the monetary amount by

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