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1

Woods, Edward. Saving your home through loan modification. Xliibris, 2009.

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2

Jonhar, ed. Pengaruh loan to deposit ratio (LDR) dan capital adequacy ratio (CAR) terhadap tingkat keuntungan bank: Laporan penelitian. Departemen Pendidikan dan Kebudayaan, Lembaga Penelitian, Universitas Andalas, 1996.

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3

King, William E. Saving face: An alternative and personal history of the savings and loan crisis. Somerset Publications, 2008.

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4

Uganda Cooperative Savings and Credit Union. Country saving and credit cooperatives (SACCOs) status: July 2008. UCSCU, 2008.

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5

William, Borges, ed. Saving the savings and loan: The U.S. thrift industry and the Texas experience, 1950-1988. Praeger, 1989.

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6

Lewis, Steve. Savings: Australia in crisis? Financial Review Library, 1993.

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7

Singh, Ajit Kumar. Estimation of incremental capital output ratio in Uttar Pradesh: 2004-05 to 2009-10. Giri Institute of Development Studies, 2012.

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8

Cebula, Richard J. The savings and loan crisis. Kendall/Hunt Pub. Co., 1992.

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9

Finegan, Patrick G. Master financial statements: Who murdered savings & loans. Palindrome Press, 1991.

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10

D, Bilowa, ed. Lutter contre la pauvreté par l'épargne et le crédit. CEPAS, 1999.

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11

Citron, David B. The Use of financial ratio covenants in UK bank loan contracts and the implications for accounting method choice. City University Business School, Centre for Empirical Research in Finance and Accounting, 1992.

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12

Whyley, Claire. Saving and borrowing: Use of the Social Fund Budgeting Loan Scheme and community credit unions. Corporate Document Services, 2000.

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13

Rietmann, Frank. Bewertung von impliziten Optionen in Bausparverträgen: Auswirkungen auf die Tarifkalkulation und die Rechnungslegung nach IAS/IFRS. Lang, 2005.

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14

Schulze, Konrad. Ein ökonometrischer Ansatz zur Erklärung des Bausparens. Domus, 1985.

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15

Braverman, David J. The Standard & Poor's guide to saving and investing for college. McGraw-Hill, 2004.

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16

Kassa, Mekonnen, Association of Ethiopian Microfinance Institutions., and ICCO (Organization), eds. Developments in saving and credit cooperatives in Ethiopia: Evolution, performances, challenges, and interventions. Association of Ethiopian Microfinance Institutions, 2007.

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17

United, States Congress Senate Committee on Banking Housing and Urban Affairs. Final oversight hearings on the savings and loan industry in the 100th Congress: Hearings before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundredth Congress, second session ... August 2 and 3, 1988. U.S. G.P.O., 1989.

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18

United, States Congress Senate Committee on Banking Housing and Urban Affairs. Oversight hearing on the Resolution Trust Corporation (RTC): Hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred First Congress, first session on procedures to be established so that the assets of failed thrifts can be sold in a fair and open basis, to indicate what specific policies have been implemented to protect against conflicts of interest ... October 4, 1989. U.S. G.P.O., 1990.

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19

United, States Congress Senate Committee on Banking Housing and Urban Affairs. Oversight hearing on the Resolution Trust Corporation (RTC): Hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred First Congress, first session on procedures to be established so that the assets of failed thrifts can be sold in a fair and open basis, to indicate what specific policies have been implemented to protect against conflicts of interest ... October 4, 1989. U.S. G.P.O., 1990.

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20

United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Oversight hearing on the Resolution Trust Corporation (RTC): Hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred First Congress, first session on procedures to be established so that the assets of failed thrifts can be sold in a fair and open basis, to indicate what specific policies have been implemented to protect against conflicts of interest ... October 4, 1989. U.S. G.P.O., 1990.

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21

Schroeder, Dennis. Savings mobilization. World Council of Credit Unions, 1989.

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22

Borḍa, Bangladesh Pāni Unnaẏana, ed. Command Area Development Project, ADB loan no. 1399 BAN (SF): Final report, benefit monitoring and evaluation. The Unit, 2003.

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23

United States. Office of Thrift Supervision. Thrift activities regulatory handbook update. Dept. of the Treasury, Office of Thrift Supervision, 1999.

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24

United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. International Competitiveness of United States Financial Institutions Task Force. Financial condition of the bank and thrift industries: Hearings before the Subcommittee on Financial Institutions Supervision, Regulation, and Insurance of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, Ninety-ninth Congress, first session. U.S. G.P.O., 1986.

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25

Behring, Karin. Bausparen im gesamtwirtschaftlichen Kontext: Volkswirtschaftliche Einflüsse auf das Bausparen : Forschungsprojekt im Auftrag der Bausparkasse Schwäbisch Hall. Ifo-Institut für Wirtschaftsforschung, 1998.

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26

Jagger, Neilan Kyla, ed. In their own hands: How savings groups are revolutionizing development. Barrett-Koehler Publishers, Inc., 2014.

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27

Saving for the Future: Student Loan. Cherry Lake Pub, 2015.

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28

Prabhu, Saanika. Notary Journal for Loan Signing Agents: Time Saving One Entry Multiple Documents. Independently Published, 2021.

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29

Lewis, Steve. Savings: Australia in crisis? Financial Review Library, 1993.

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30

Snowden, Kenneth, Price V. Fishback, and Jonathan Rose. Well Worth Saving: How the New Deal Safeguarded Home Ownership. University of Chicago Press, 2013.

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31

Snowden, Kenneth, Price V. Fishback, and Jonathan Rose. Well Worth Saving: How the New Deal Safeguarded Home Ownership. University of Chicago Press, 2014.

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32

Finegan, Patrick G. Master Financial Statements: Smashing Through Corporate Propaganda. Palindrome Pr, 1990.

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33

Finegan, Patrick G. Master Financial Statements: Smashing Through Corporate Propaganda. Palindrome Pr, 1990.

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34

Braverman, David J. The Standard & Poor's Guide to Saving and Investing for College. McGraw-Hill, 2003.

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35

lawerDoc, Lounis. Notary Journal for Loan Signing Agents: Logbook of Notarial Acts for Time Saving One Entry Multiple Documents. Independently Published, 2022.

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36

Hahn, Bruce N. The New Mortgage Tips & Payment Tables: Your Guide to Getting the Right Kind of Mortgage, the Best Rate, and Saving Money at Closing! American Homeowners Foundation Press, 1997.

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37

Hochberg, Elvis. Mortgage Refinancing : Avoid the Common Mortgage Refinancing Mistakes Made by Home Owners: Tips for Saving Money on Your Mortgage Loan. Independently Published, 2021.

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38

Conflicts of interest related to fiduciary accounts. Office of Thrift Supervision, 2001.

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39

[Thrift activities regulatory handbook update]. Dept. of the Treasury, Office of Thrift Supervision, 2001.

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40

Prabhu, Saanika. Loan Signing Agent Notary Journal : One Page Multiple Documents, Hardcover, Notary Logbook, Modern Notary Journal, Single Signing View: The Ultimate Time Saving Notary Journal. Independently Published, 2021.

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41

Neilan, Kyla Jagger, and Jeffrey Ashe. In Their Own Hands: How Savings Groups Are Revolutionizing Development. Berrett-Koehler Publishers, Incorporated, 2014.

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42

Neilan, Kyla Jagger, and Jeffrey Ashe. In Their Own Hands: How Savings Groups Are Revolutionizing Development. Berrett-Koehler Publishers, Incorporated, 2014.

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43

Neilan, Kyla Jagger, Frances Moore Lappé, and Jeffrey Ashe. In Their Own Hands: How Savings Groups Are Revolutionizing Development. Berrett-Koehler Publishers, Incorporated, 2014.

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44

Neilan, Kyla Jagger, and Jeffrey Ashe. In Their Own Hands: How Savings Groups Are Revolutionizing Development [16 Pt Large Print Edition]. ReadHowYouWant.com, Limited, 2014.

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45

Steven Dora Steven Dora Miron. Budget Planner and Monthly Bill Organizer : A Undated Financial Planner to Keep from Overspending, Money Manage Your Finances Include: Expense , Money Saving , Income, Bill Tracker, Loan Record, Debt Payment Log, Investment Record - Must Haves Household. Independently Published, 2021.

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46

Célérier, Claire, Thomas Kick, and Steven Ongena. Changes in the Cost of Bank Equity and the Supply of Bank Credit. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780198815815.003.0010.

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We explore the effect of tax reforms that decrease the cost of equity on bank lending. In 2000 and 2006, Italy and Belgium, respectively, introduced an allowance for corporate equity so that both firms and banks could deduct a notional interest on their equity from their taxable income. Because local firms were also affected by these reforms, we employ loan-level data from a credit register in a third country—Germany—to better identify the differential impact on lending by banks that were ‘treated’ by these tax reforms versus a control group of banks that were not. We find that the decrease in
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47

De Laurentis, Giacomo, Eugenio Alaio, Elisa Corsi, et al. Rischio di credito 2.0. AIFIRM, 2021. http://dx.doi.org/10.47473/2016ppa00030.

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The EBA Guidelines on loan origination and monitoring (hereinafter "GL LOM") undoubtedly represent a substantially new piece of the banking regulatory framework. In fact, for the first time, the regulator moves into a topic that was traditionally outside the scope of financial regulation, so far almost exclusively focused on aspects directly linked to both micro- and macro-prudential stability, notably through capital and liquidity management requirements and guidelines on Business Model and Internal Governance. The credit management process, and in particular loan origination and monitoring,
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