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Relevant bibliographies by topics / Lending Rate and Loans and Advances

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Academic literature on the topic 'Lending Rate and Loans and Advances'

Author: Grafiati

Published: 5 June 2025

Last updated: 2 August 2025

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Journal articles on the topic "Lending Rate and Loans and Advances"

1

Obagunwa, T. Busayo, and S.O. (PhD.) Akinwale. "Interest Rate Deregulation and Loans and Advances of Deposit Money Banks in Nigeria." International Journal of Business Management and Technology 2, no. 4 (2023): 94–100. https://doi.org/10.5281/zenodo.7648255.

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This study examined the effect of interest rate deregulation on Nigerian banking system. The study adopted Augmented Dickey – Fuller (ADF), Bound test and Autoregressive Distributed Lag (ARDL). The correlation result indicated that of the correlation matrix that all the explanatory variables (interest rate, lending rate and deposit rate) had effect on loan and advances. The results of the unit root test revealed that interest rate and lending rate were stationary at level 1(0) while loan and advances and deposit rate were stationary at first difference 1(1). Also the results of the bound

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Pandeya, Ganga Kumari. "Determinants of Lending Behavior in Nepalese Commercial Banks." Nepalese Journal of Finance 11, no. 4 (2024): 22–40. https://doi.org/10.3126/njf.v11i4.79767.

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The study examines the determinants of lending behavior in Nepalese commercial banks. Loans and advances and credit to deposit ratio are selected as the dependent variables. The selected independent variables are volume of deposit, bank size, liquidity ratio, lending interest rate, inflation rate and cash reserve ratio. The study is based on secondary data of 15 commercial banks in Nepal with 105 observations for the study period from 2015/16 to 2021/22. The data were collected from Banking and Financial Statistics published by Nepal Rastra Bank, publications, website of Nepal Rastra Bank (NRB

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Pradhan, Priya, Puja Jha, Puja Sah, and Ram Bahadur Magar. "Impact of Non-Performing Loans on Bank Profitability and Lending Behavior in Nepalese Commercial Banks." Nepalese Journal of Economics 8, no. 3 (2024): 71–90. https://doi.org/10.3126/nje.v8i3.79449.

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This study examines the impact of non-performing loans on bank profitability and lending behavior in Nepalese commercial banks. Return on assets and loan and advances are selected as the dependent variables. Similarly, capital adequacy ratio, credit to deposit ratio, non-performing loan, equity to total assets, bank size, gross domestic product growth and inflation rate are selected as the independent variables. This study is based on secondary data of 16 commercial banks with 112 observations for the study period from 2016/17 to 2022/23. The data were collected from Banking and Financial stat

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Stegman, Michael A. "Payday Lending." Journal of Economic Perspectives 21, no. 1 (2007): 169–90. http://dx.doi.org/10.1257/jep.21.1.169.

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A “payday loan” is a short-term loan made for seven to 30 days for a small amount. Fees charged on payday loans generally range from $15 to $30 on each $100 advanced. A typical example would be that in exchange for a $300 advance until the next payday, the borrower writes a post-dated check for $300 and receives $255 in cash—the lender taking a $45 fee off the top. The lender then holds on to the check until the following payday, before depositing it in its own account. When the fee for a short-term payday loan is translated into an annual percentage rate, the implied annual interest rate rang

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Yang, Ruyi. "Machine Learning-Based Loan Default Prediction in Peer-to-Peer Lending." Highlights in Science, Engineering and Technology 94 (April 26, 2024): 310–18. http://dx.doi.org/10.54097/qdjd8r65.

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The peer-to-peer (P2P) lending market has recently undergone significant growth, transforming traditional lending practices. However, this evolution brings with it unique challenges, particularly in managing credit risk and ensuring the reliability of loan approvals. Accurate prediction of loan defaults remains a pivotal aspect of risk management in this sector. This study introduces a comprehensive approach to improve bad loan prediction in peer-to-peer (P2P) lending, sourcing Lending Club data. In the face of challenges posed by imbalanced datasets and risk management in the loan industry, o

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Koskei, Loice, and Daniel Samoei. "Bank Lending Rates and Nonperforming Loans of Listed Commercial Banks in Kenya." Asian Journal of Economics, Business and Accounting 24, no. 3 (2024): 19–25. http://dx.doi.org/10.9734/ajeba/2024/v24i31236.

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The rise in non-performing loans in Kenyan commercial banks over the past ten years has created instability in the financial industry. Due to their impact on borrowers' ability to repay the loans, high-interest rates are a contributing factor to non-performing loans. The interest rate on loans has an implicit cost that is inherent to bank credit and has an impact on loan defaults. In this sense, a large percentage of non-performing loans (NPLs) in Kenya’s Commercial banks has continued to impede economic expansion due to high default rates experienced by many banks making them unable to advanc

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Efanga, Udeme, Ihemeje, J. C, Yamta H. A, and Birawada Keyadi. "Interest Rate Spread and the Efficacy of Commercial Banks’ Loans and Advances in Nigeria." Journal of Accounting and Finance in Emerging Economies 6, no. 3 (2020): 753–63. http://dx.doi.org/10.26710/jafee.v6i3.1179.

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Abstract: The main objective of this study is to analyze the impact of interest rate spread on the efficacy of commercial banks’ lending in Nigeria. Data were obtained from secondary sources; Central Bank of Nigeria Statistical bulletin of 2018 and International Monetary Fund, International Financial Statistics and data files. Unit root test on the time series data displayed a combination of 1(0) and 1(1) variables, the Autoregressive Distributed Lag (ARDL) Model was employed for data estimation. Several diagnostic tests such as auto-correlation test, Ramsey stability test, serial correlation

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DZHEDZHULA, Olena. "TRENDS OF HIGHER EDUCATION LENDING IN THE USA." "EСONOMY. FINANСES. MANAGEMENT: Topical issues of science and practical activity", no. 4 (44) (April 2019): 100–106. http://dx.doi.org/10.37128/2411-4413-2019-4-12.

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Lending to higher education in the world and in Ukraine is gaining in popularity. According to statistics, almost 60% of Ukrainian students study at a contract basis. The increase in tuition fees, the deterioration of the financial situation of families, and the desire of young people to obtain higher education creates contradictions, one of the ways to overcome credit education. In developed countries, mechanisms of educational lending have been developed that provide young people with the opportunity to acquire education. It should be noted that educational loans are effective in countries w

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A, H. M. Ziaul Haq, and S. M. Kamruzzaman A. "Bank-Specific and Macroeconomic Determinants of Non-Performing Loans of Commercial Banks in Bangladesh." Journal of Business Studies 13, no. 1 (2021): 23–45. https://doi.org/10.5281/zenodo.5760328.

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<em>Size of non-performing loans is a matter of concern and a threat to sustainable banking and macroeconomic development in Bangladesh.</em> <em>This study, therefore, explores the factors responsible for non-performing loans in commercial banks especially from bank specific and macroeconomic aspects in Bangladesh. The study has collected secondary data from 44 commercial banks operating in Bangladesh from 1997 to year 2019. The study has developed a linear multiple regression model to identify the significant factors responsible for non performing loans in the banking sector. The study resul

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Li, Baodong. "Online Loan Default Prediction Model Based on Deep Learning Neural Network." Computational Intelligence and Neuroscience 2022 (August 8, 2022): 1–9. http://dx.doi.org/10.1155/2022/4276253.

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With the rapid development of Internet loans and the demand for Internet loans, Internet-based loan default prediction is particularly important. P2P online lending is based on Internet technology. With the popularization of personal PCs and mobile terminals, the borrower’s financing cost has been reduced to a large extent, and the efficiency of the borrower’s capital utilization has also been improved to a considerable level. Making full use of the existing data of the online lending platform, integrating third-party data, and predicting the default behavior of users are the major directions

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Books on the topic "Lending Rate and Loans and Advances"

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California. Legislature. Senate. Committee on Banking, Finance, and Insurance. Sustainability, not attainability: An examination of nontraditional residential mortgage lending products and practices : final report. Senate Publications & Flags, 2007.

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Ginkō, Nihon, ed. Recent developments in lending rates: Changing behavior of banks under interest rate liberalization. Bank of Japan, 1991.

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Agénor, Pierre-Richard. Contagion, bank lending spreads, and output fluctuations. National Bureau of Economic Research, 1998.

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Determinants of the ARM share of national and regional lending. Office of the Chief Economist, Office of Thrift Supervision, 1990.

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The mortgage brokers guide to lending: A real world guide to understanding: the credit application, loan programs, how to get referrals, qualifying borrowers, credit scoring, underwriting, disclosures, rate sheets, and much more for the novice and experienced mortgage broker. Mortgage Planning Solutions, 2005.

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Drelichman, Mauricio, and Hans-Joachim Voth. Serial Defaults, Serial Profits. Princeton University Press, 2017. http://dx.doi.org/10.23943/princeton/9780691151496.003.0007.

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This chapter looks at the profitability of banking families. Lending to the king of Spain made good business sense; it was hugely profitable on average, despite periodic defaults and restructurings. Defaults and reschedulings reduced the rate of return, but profitability net of these losses was still high—and markedly higher than the return on alternative investments. The same conclusion emerges from analyzing the profitability of loans by the banking dynasty. Of the sixty families that lent to Philip, only five failed to earn their likely opportunity cost of capital—and these bankers provided

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Elliott III, William, and Melinda K. Lewis. Student Debt. ABC-CLIO, LLC, 2017. http://dx.doi.org/10.5040/9798216020462.

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Offering answers to essential questions about student debt and many connected issues, this book examines student debt in the United States at every stage of the processfrom the banks that issue the loans to the colleges and universities that collect the payments. Student lending in the United States is one of the most controversial issues in contemporary American discourse. Are these loans the only option for Americans who want to attend college and university in order to attain the best careers and have a productive, enjoyable life? Should the predatory lending practices of for-profit colleg

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Book chapters on the topic "Lending Rate and Loans and Advances"

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Khouangvichit, Chintana. "The relationship between macroeconomic factors and non-performing loans (NPLs) in Lao PDR." In Green and Digital Transitions. Szegedi Tudományegyetem, 2024. http://dx.doi.org/10.14232/gtk.gdtgiss.2024.10.

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The role of the banking sector in driving economic development cannot be understated. Its stability is a critical factor that sets the pace for economic progress. Among the various indicators of financial stability, non-performing loans (NPLs) held by banks hold particular significance as they reflect asset quality, credit risk, and the efficient allocation of resources to productive sectors. NPLs have indeed been a subject of concern for the banking sector, with their prominence intensifying, especially after the 2008 financial crisis. This study investigates the relationship between Macroeco

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Bogoev, Jane. "What Drives Bank Lending in Domestic and Foreign Currency Loans in a Small Open Transition Economy with Fixed Exchange Rate? The Case of Macedonia." In Global Banking Crises and Emerging Markets. Palgrave Macmillan UK, 2016. http://dx.doi.org/10.1007/978-1-137-56905-9_9.

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Mach, Traci L., Courtney M. Carter, and Cailin R. Slattery. "To Lend or Not to Lend." In Advances in Business Strategy and Competitive Advantage. IGI Global, 2016. http://dx.doi.org/10.4018/978-1-4666-9604-4.ch003.

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The current paper examines loan-level data from Lending Club to look at peer-to-peer borrowing by small businesses. We begin by looking at characteristics of loan applications that were and were not funded and then take a more in-depth look at funded applications. Summary statistics show an increasing number of small business loan applications over time. Beginning in 2010—when consistent measures of loan purpose were recorded for all applications—loan applications for small businesses were on average less likely than loans for other purposes to have been funded. However, logistic regression re

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Gibbons, Patti. "Perils of Lending Rare Book and Archival Materials for Exhibition." In Advances in Business Information Systems and Analytics. IGI Global, 2018. http://dx.doi.org/10.4018/978-1-5225-4754-9.ch013.

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As an outreach strategy, libraries and archives lend rare book and primary source materials to cultural heritage institutions for exhibitions, making significant holdings and collection materials available more widely to new audiences for viewing, research, and study. These texts, manuscripts, and archival documents are often highly valuable, historically significant, and irreplaceable. By identifying, evaluating, and addressing risks present during loans, lenders minimize exposure and potential losses of these valuable cultural heritage materials. This chapter examines specific ways lenders c

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Duffie, Darrell. "The Case of Federal Funds Lending." In Dark Markets. Princeton University Press, 2012. http://dx.doi.org/10.23943/princeton/9780691138961.003.0002.

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This chapter shows how the intraday allocation and pricing of overnight loans of federal funds reflect the over-the-counter interbank market in which these loans are traded. It provides estimates of how the likelihood that some bank i borrows from some other bank j during a particular minute t of a business day, as well as the interest rate on the loan, depend on the prior trading relationship between these two banks, the extents to which their balances at the beginning of minute t are above or below their normal respective balances for that time of day, their overall levels of trading activit

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Lehnert, Andreas, and Sara Stefan. "Real Estate Lending." In The Oxford Handbook of Banking, 4th ed. Oxford University Press, 2025. https://doi.org/10.1093/oxfordhb/9780198897071.013.23.

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Abstract When lending to households against real estate, lenders consider collateral value, leverage, and borrower characteristics. Households choose loan size, interest rate risk, and amortization schedules. Evidence suggests that liquidity constraints drive decisions to default; optimal mortgage design depends on the correlation of income risk with interest rates, house prices, and inflation. Despite prohibitions, certain types of discrimination persist across jurisdictions. Mortgages are often securitized rather than being held directly. Real estate credit booms have been associated with fi

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Fase, Martin M. G. "The Demand for Commercial Bank Loans and the Lending Rate." In On Money and Credit in Europe. Edward Elgar Publishing, 1998. http://dx.doi.org/10.4337/9781035351152.00019.

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Bernardino, Susana, and J. Freitas Santos. "Lending Crowdfunding and Regional Development." In Multidisciplinary Approaches to Crowdfunding Platforms. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-3226-3.ch003.

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By analysing the operations of a lending crowdfunding platform in Portugal, the investigation aims to study the potential contribution of CF for entrepreneurship and regional development. The results reveal that small organisations are especially prone to use CF as a financing strategy, regardless of their seniority, as well as ventures that have a moderated risk profile. However, coastal regions have been more dynamic on CF use than interior located ventures, since most of the operations were realized on the littoral of the country. The results suggest that interior organisations that use CF

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Mach, Traci L., Courtney M. Carter, and Cailin R. Slattery. "To Lend or Not to Lend." In Start-Ups and SMEs. IGI Global, 2020. http://dx.doi.org/10.4018/978-1-7998-1760-4.ch001.

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The current paper examines loan-level data from Lending Club to look at peer-to-peer borrowing by small businesses. We begin by looking at characteristics of loan applications that were and were not funded and then take a more in-depth look at funded applications. Summary statistics show an increasing number of small business loan applications over time. Beginning in 2010—when consistent measures of loan purpose were recorded for all applications—loan applications for small businesses were on average less likely than loans for other purposes to have been funded. However, logistic regression re

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Etim, Alice S., and David N. Etim. "Gender, ICT, and Micro-Loans for Small Business Operations in Ghana." In Research Anthology on Microfinance Services and Roles in Social Progress. IGI Global, 2022. http://dx.doi.org/10.4018/978-1-6684-7552-2.ch016.

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In many underserved communities in Sub-Saharan Africa (SSA), including those in Ghana, there are microfinance institutions (MFIs) that provide small non-collateralized loans (or micro-loans) to entrepreneurs, including women entrepreneurs. The micro-lending activities, especially those channeled through entrepreneurship programs, were reported as being helpful and allowed for financial inclusion. However, Anaman and Pobbi evaluated performance and reported that some of the MFIs were becoming a burden because of steep interest rate charges and loan default, raising a need for borrowers to use r

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Conference papers on the topic "Lending Rate and Loans and Advances"

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Velegurov, A. V., and V. S. Istomin. "NEGATIVE INFLUENCE OF MORTGAGE LOANS ON THE DEMOGRAPHIC SITUATION IN RUSSIA." In CONTEMPORARY ECONOMIC PROBLEMS OF RUSSIA AND CHINA. Amur State University, 2021. http://dx.doi.org/10.22250/medprh.31.

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M. Durojaiye, Olalekan, and Ramanjit K. Sahi. "Quantifying Credit Risk in Lending Industry: A Monte Carlo Simulation Approach." In 10th International Conference on Computer Science, Engineering and Information Technology. Academy & Industry Research Collaboration Center, 2024. http://dx.doi.org/10.5121/csit.2024.141911.

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The loan data simulated with Monte Carlo approach and analyzed in the research work provides valuableinsights into the borrowers’ financial positions and loan performance. Debt-To-Income ratio (DTI) was calculated and we identified 141 (57.8%) loans that were at high risk of default. We then adopted a risk-based pricing (RBP) to mitigate the risk of default by assigning higher interest rates to riskier loans by taking into consideration some parameters like credit score and risk premium. The analysis revealed that a higher DTI is associated with a higher risk of default, and a higher RBP is as

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Mazure, Gunita. "Financial platforms as alternative financial instrument to crediting in Europe." In Research for Rural Development 2022 : annual 28th international scientific conference proceedings. Latvia University of Life Sciences and Technologies, 2022. http://dx.doi.org/10.22616/rrd.28.2022.029.

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The significance of financial technologies constantly grows as they have become a part of national economies. Sharing economy or alternative financing includes various digital financial activities outside the traditional banking system like crowdfunding, peer-to-peer lending and other alternatives. The research aim is to evaluate alternative finance trends in Europe. The research results show that peer-to-peer platforms mainly ensuring a high return rate have recently become very popular allowing to invest resources in various projects including real estate, loans, invoice trading and business

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Ata, Sezai. "The Macroeconomic Effects of Credit Regulations." In International Conference on Eurasian Economies. Eurasian Economists Association, 2018. http://dx.doi.org/10.36880/c10.02075.

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In this study, the effects of macro prudential policies on consumer loans in the recent period are examined on the basis of total loan developments and credit type. The findings of the study show that macro prudential policies are quite effective in slowing down the growth rate of total credit and consumer loans for the ultimate purpose. In addition, the overall provisioning and risk weighting regimes provided banks with a modest level of capital adequacy ratios and prevented banks from growing in risky assets. The results of some loan types indicate that credit utilization, determined by chan

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Demajo, Lara Marie, Vince Vella, and Alexiei Dingli. "Explainable AI for Interpretable Credit Scoring." In 10th International Conference on Advances in Computing and Information Technology (ACITY 2020). AIRCC Publishing Corporation, 2020. http://dx.doi.org/10.5121/csit.2020.101516.

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With the ever-growing achievements in Artificial Intelligence (AI) and the recent boosted enthusiasm in Financial Technology (FinTech), applications such as credit scoring have gained substantial academic interest. Credit scoring helps financial experts make better decisions regarding whether or not to accept a loan application, such that loans with a high probability of default are not accepted. Apart from the noisy and highly imbalanced data challenges faced by such credit scoring models, recent regulations such as the `right to explanation' introduced by the General Data Protection Regulati

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Sprague, S. M., and W. J. Lee. "PUD Reserves Converted in Practice: Impact of the SEC’s Final Rule." In SPE Annual Technical Conference and Exhibition. SPE, 2024. http://dx.doi.org/10.2118/220797-ms.

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Abstract This paper offers new methods to navigate the United States Securities and Exchange Commission (SEC) modernized reserves regulations to help oil and gas companies understand and minimize the negative financial implications of overbooking Proved Undeveloped (PUD) reserves. We show how revising SEC disclosures to represent PUD volumes in two parts, (1) development for the next three years and (2) development beyond three years, aligns with both SEC disclosures and lending requirements, thus reducing uncertainty. Since 2009, roughly half of all exploration and production (E&P) SEC fi

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Reports on the topic "Lending Rate and Loans and Advances"

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Bohorquez-Penuela, Camilo, Joëlle Noailly, and Naël Shehadeh. Climate Transition Risks and Bank Lending: Evidence from Colombia. Banco de la República, 2024. https://doi.org/10.32468/be.1294.

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How is bank lending to fossil fuel firms affected when risks of stranded assets increase? Using loan-level data from the credit registry of the Colombian Superintendency of Finance, we examine how the introduction of the Paris agreement has affected lending to fossil firms, in a country highly dependent on them. We find evidence that the increased risk of stranded assets implied by the Paris agreement led to a 46\% decrease in bank credit to fossil firms. However, banks have become more selective and have prioritised lending to large and well capitalised fossil firms. Additionally, there is su

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2

Cui, Jingyuan George, Xiaosheng Guo, and Leticia Juarez. Bank Loans, Trade Credit and Export Prices: Evidence from Exchange Rate Shocks in China. Inter-American Development Bank, 2024. http://dx.doi.org/10.18235/0013020.

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This study investigates exchange rate pass-through (ERPT) to international prices in the context of trade credit usage. Utilizing a comprehensive dataset including customs transactions and balance sheet data of Chinese exporters during 2000-2011, we document several stylized facts. First, there exists a significant dampening effect on the sensitivity of international pricing to exchange rate fluctuations among exporters that extend substantial trade credit, indicating a more complete ERPT. Second, the interest payments made by exporters to domestic banks exhibit negative responsiveness to home

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Galindo, Arturo J., and Roberto Steiner. Asymmetric Interest Rate Transmission in an Inflation Targeting Framework: The Case of Colombia. Banco de la República de Colombia, 2020. http://dx.doi.org/10.32468/be.1138.

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After adopting an inflation targeting framework for monetary policy at the turn of the century, the Central Bank of Colombia started actively using the monetary policy interest rate as its key policy tool. In this regard, this paper examines the interest rate pass-through from the monetary policy rate to the retail rates in Colombia and explores asymmetries in the adjustment process within the framework of a non-linear version of the ARDL (NARDL) model developed by Shin et al. (2014). Our findings show that the policy rate plays a key role in determining deposit and lending retail rates but th

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Dwyer, Gerald P., Biljana Gilevska, María J. Nieto, and Margarita Samartín. The effects of the ECB’s unconventional monetary policies from 2011 to 2018 on banking assets. Banco de España, 2024. http://dx.doi.org/10.53479/36595.

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We examine the effects of all three major European Central Bank (ECB) unconventional monetary policies since 2011 for euro area banks’ holdings of loans, government securities and cash deposited in central banks. The three ECB policies are longer-term refinancing operations (LTROs), the asset purchase programmes and the ECB’s interest rate on its deposit facility. We also compare the responses of non-crisis and crisis countries to these policies. Our evidence indicates that the ECB’s unconventional monetary policy measures increased bank lending across the euro area countries. The second round

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Baskaya, Soner, José E. Gutiérrez, José María Serena, and Serafeim Tsoukas. Bank supervision and non-performing loan cleansing. Banco de España, 2024. http://dx.doi.org/10.53479/37596.

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This paper studies whether supervisory actions, namely provisioning guidelines on non-performing loans (NPLs), affect banks’ NPL cleansing and lending behaviour, as well as the real economy. Using the supervisory intervention announced by the European Central Bank in the first quarter of 2018 as a quasi-natural experiment, we show that banks disposed of old NPLs at a higher rate after the policy shift. Banks that were more heavily exposed to the policy tightened their lending standards, especially for risky firms. Furthermore, banks with stronger fundamentals were more keen on disposing NPLs a

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Subedi, Dipak, and Anil K. Giri. Debt use by U.S. farm businesses, 2012-2021. Economic Research Service, U.S. Department of Agriculture, 2024. http://dx.doi.org/10.32747/2024.8478364.ers.

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The short-term Federal funds rate, which impacts the interest rate of other loans, has been increasing since March 2022. The rate can disproportionately affect demand for different types of loans, as well as the choice of the lender for different farm sizes. This report examines farm debt by lenders, as well as other attributes, such as the use of different loan types (real estate and non-real estate) among different types of farm businesses. The authors used data from multiple sources, including the USDA, Economic Research Service's Farm Income and Wealth Statistics and Agricultural Resource

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Boyarchenko, Nina, and Leonardo Elias. Corporate Debt Structure over the Global Credit Cycle. Federal Reserve Bank of New York, 2024. https://doi.org/10.59576/sr.1139.

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We study the determinants of active debt management through issuance and refinancing decisions for firms around the world. We leverage instrument-level data to create a comprehensive picture of the maturity, currency, and security type composition of firms' debt for a large cross-section of countries. At the instrument level, we estimate a predictive model of prepayment as a function of interest costs savings and maturity lengthening motives. We document that there is substantial heterogeneity in prepayment across bonds and loans and across firms, depending on their reliance on bank lending. W

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Facilities afforded Applicants to enable them to obtain Loans for the purpose of investing in War Loans - Advances at low rate of interest. Reserve Bank of Australia, 2021. http://dx.doi.org/10.47688/rba_archives_2018/07349.

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