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Journal articles on the topic 'Loans operations'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Mantey, Isaac, Christopher Lartei Aryee, and Justice Agyei Ampofo. "THE OPERATIONS OF SAVINGS AND LOANS AND THE PERFORMANCES OF BUSINESSES IN ACCRA." International Journal of Advanced Economics 3, no. 4 (2021): 80–96. http://dx.doi.org/10.51594/ijae.v3i4.243.

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Savings and Loans operations in Ghana represent significant development and performance of most businesses and therefore maintaining these Savings and Loans operations is important. However, there seems to be paucity of studies on the operations of savings and loans companies’ effects on the performances of businesses in general and Greater Accra in particular. This research seeks to bridge this knowledge gap by analyzing the operations of savings and loans companies’ effects on the performances of businesses in the Greater Accra Region of Ghana. The study will be guided by three research obje

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2

Bakmaz, Ognjen, Slavica Anđelić, Miloš Dragosavac, et al. "The importance of determining the efficiency of business of agricultural farms in relation to the use of credits in agriculture, the example of the Republic of Serbia." Poljoprivredna tehnika 49, no. 1 (2024): 10–16. http://dx.doi.org/10.5937/poljteh2401010b.

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The organization of agricultural production in countries such as the Republic of Serbia should be as close as possible to optimality. This can be achieved in different ways. One of the ways to improve the success and efficiency of business should be seen in the search for the most favorable form of obtaining loans from commercial banks. The paper highlights the importance of analyzing three types of loans, namely: a loan for refinancing intended for agriculture, an investment loan intended for agriculture and a loan for working capital intended for agriculture from the perspective of the effic

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SHELUDKO, Sergii. "COLLATERAL OPERATIONS OF BANKS IN TERMS OF EXISTENTIAL CRISES IN UKRAINE." Herald of Khmelnytskyi National University. Economic sciences 310, no. 5(1) (2022): 97–102. http://dx.doi.org/10.31891/2307-5740-2022-310-5(1)-15.

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The paper presents results of the study on essence, types and features of collateral operations of Ukrainian banks in terms of existential crises. It is studied the legal interpretation of the essence of pledge, its own definition has been proposed. It is disclosed features of pledge as an instrument of securing bank loans, which consists in the ability to secure possible future claims, therefore its spread in bank lending is justified by the ability to cover not only the borrowed value, but also accrued interest, including at a variable (floating) rate. It is presented the author’s approach t

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Regina, Tannia, Tedi Rochendi, and Arya Nanda Pratama. "PROSEDUR PINJAMAN TANGGUNG RENTENG UNTUK MODAL USAHA UMKM PADA UNIT JASA KEUANGAN KOPERASI GARUDAYAKSA NUSANTARA (KGN)." KOMPLEKSITAS: JURNAL ILMIAH MANAJEMEN, ORGANISASI DAN BISNIS 10, no. 2 (2021): 31–40. http://dx.doi.org/10.56486/kompleksitas.vol10no2.136.

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The Joint Liability Loan Procedure for UMKM at the Unit Jasa Keuangan Koperasi Garudayaksa Nusantara. This research is a qualitative research with a descriptive design. The purpose of this study is to describe and determine the implementation of joint responsibility loans starting from the marketing process of jointly and severally loan products, the formation of jointly and severally responsibility groups, the application of jointly and severally responsible loans to UJK KGN, the process of analyzing the feasibility test of joint responsibility, to the process of disbursement of jointly and s

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Pederson, Glenn, Ananth Rao, and Michael Boehlje. "Determinants of Restructured Farm Loan Performance." Journal of Agricultural and Applied Economics 23, no. 2 (1991): 39–48. http://dx.doi.org/10.1017/s008130520001815x.

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AbstractA probabilistic model is applied to cross-sectional data to identify determinants of post-restructure performance of Federal Land Bank loans. The results indicate that restructured loans were sensitive to factors that determine the debt repayment burden and the repayment ability of the restructured farm operations. Loan performance is found to be relatively more sensitive to the levels of the post-restructure interest rate and cash farm income than to the financial structure and leverage position of the restructured farm. The relationships between the post-restructure interest rate, ca

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6

Chiou, Jer-Shiou, Bor-Yi Huang, Pei-Shan Wu, and Chun-Ni Tsai. "THE IMPACTS OF DIVERSIFIED OPERATIONS ON LENDING OF FINANCIAL INSTITUTION." Journal of Business Economics and Management 13, no. 4 (2012): 587–99. http://dx.doi.org/10.3846/16111699.2011.620158.

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This study explores the impacts of bank's diversified operations on their loans, the threshold effect of bank's derivatives trading and the impacts on their financial behaviors are investigated. The results show that there are two separate regime effects for banks in large-sized and medium-sized, and three regime effects for banks in small to medium-sized. Derivatives trading not only make banks easier to diversify their credit risk exposure, but also alter their lending behaviors. As an example of large banks, when banks derivatives’ trading is more than US$61 billion, an increase in banks as

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7

Sriram, Mahadevan, and Srilakshminarayana Gali. "Corporate hedging theories and usage of foreign currency loans: a logit model approach." Investment Management and Financial Innovations 17, no. 4 (2020): 367–77. http://dx.doi.org/10.21511/imfi.17(4).2020.31.

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The present study has attempted to discuss the association between corporate hedging theories and the usage of foreign currency loans by companies listed in India. A total of 349 non-financial companies were selected, and the data for the financial year ending 31st March, 2018 were considered for the analysis. The descriptive statistics indicate that 55% of the sample companies had borrowed funds in foreign currency. The companies were highly levered and maintained adequate short-term assets to honor short-term obligations. A logit model was employed for analyzing the cross-sectional data. The

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Nofita, Reza, and Muhammad Rivandi. "OWN CAPITAL, LOAN CAPITAL, AND EARNINGS Of BUSINESS RETURNS WITH A CAUSALITY APPROACH." Jurnal Ekonomi LLDIKTI Wilayah 1 (JUKET) 3, no. 1 (2023): 13–18. http://dx.doi.org/10.54076/juket.v3i1.349.

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The welfare of cooperative members is reflected in the remaining results of operations which continue to increase. This study aims to determine the effect of own capital and loan capital on the remaining results of operations at the Padang City savings and loan cooperative for the 2019-2021 period. The population in this study is the Padang City Savings and Loans Cooperative for the period 2019-2021. The sample of savings and loan cooperatives in the study totaled 15 savings and loan cooperatives in the city of Padang with an observation period of 3 years, namely 2019-2021. The sampling method

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Tkachuk, Iryna. "Asset operations of Ukrainian banks on the current stage of banking system development." Banks and Bank Systems 12, no. 1 (2017): 119–27. http://dx.doi.org/10.21511/bbs.12(1-1).2017.04.

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The aim of the article is to characterize the real stage of realization of asset operations of the Ukrainian banks on the current stage of banking system development. For this aim the analysis of the Ukrainian banks activities within the period of 2011-2016 year is made. The official statistical data of the National Bank of Ukraine on asset operations of the Ukrainian banks and indicators of economic norms of banking were used. Thus, the current stage of credit operations realization by the banks of Ukraine, credit risk of the Ukrainian banks, and investment operations of the banks of Ukraine

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Pundissing, Rati, Westerini Lusdani, and Sussana Eka Topayung. "PENGARUH JUMLAH ANGGOTA DAN JUMLAH MODAL TERHADAP SISA HASIL USAHA KOPERASI SIMPAN PINJAM BALO’ TORAJA CABANG RANTEPAO KABUPATEN TORAJA UTARA." Widya Amerta 10, no. 1 (2023): 118–36. http://dx.doi.org/10.37637/wa.v10i1.1454.

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This study aims to determine whether the number of members and the amount of capital affect the remaining results of operations at the Balo' Toraja Savings and Loan Cooperative, Rantepao Branch. This type of research is quantitative research, namely data in the form of numbers and can be calculated using multiple linear regression methods using SPSS. The type of data used in this study is primary data taken from questionnaire data. The data collected is directly sourced from the Rantepao Branch of the Balo'ta Savings and Loans Cooperative Office. The sampling technique used the slovin techniqu

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Ostrovska, N. "Modeling of credit portfolio management efficiency." Galic'kij ekonomičnij visnik 70, no. 3 (2021): 89–101. http://dx.doi.org/10.33108/galicianvisnyk_tntu2021.03.089.

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Credit operations, among the great variety of services provided by the bank, are one of the most important activities. In the assets of commercial banks, loans occupy a strong position of the most extensional and profitable items. The reliability and financial stability of commercial banks depends on the composition and structure of the bank's loan portfolio and the process of its management. Under current conditions, the development and improvement of the bank's loan portfolio management system intended to minimize the credit risks and ensure the sustainable operation of commercial banks have

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12

Laine, Olli-Matti. "The Effect of Targeted Monetary Policy on Bank Lending." Journal of Banking and Financial Economics 1/2021, no. 15 (2021): 25–43. http://dx.doi.org/10.7172/2353-6845.jbfe.2021.1.3.

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This paper studies the effect of central banks’ targeted refinancing operations on bank lending. It utilizes data from the European Central Bank’s targeted longer-term refinancing operations (TLTROs) together with monthly bank level balance sheet data from multiple countries. The effect of targeted policy is identified utilizing the institutional setting that provides natural instrumental variables and a proxy for credit demand. Unlike previous papers, this paper studies the effects on corporate loans and loans for consumption separately. The cumulative effect of TLTROs on participating banks’

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Horobinska, Iryna, Valentina Hoshovska, Viktoria Masalitina, and Svetlana Nakonechna. "FEATURES OF RECEIVING, ACCOUNTING AND AUDIT OF LOANS IN FOREIGN CURRENCY AT THE ENTERPRISE." AUTOMOBILE ROADS AND ROAD CONSTRUCTION, no. 111 (June 30, 2022): 391–98. http://dx.doi.org/10.33744/0365-8171-2022-111-391-398.

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The article is devoted to the features of receiving, accounting and auditing of a loan in foreign currency at the enterprise. The topicality of the topic is explained by the fact that ensuring the sustainable development of enterprises requires adequate financing at the expense of various components of equity capital, borrowed capital and loan capital, including lending in foreign currency. the share of balances for loans granted in foreign currency was 29% of the loan portfolio of commercial banks in 2021. This indicates the presence of lending in foreign currency and the need for research an

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14

Michney, Todd M., and LaDale Winling. "New Perspectives on New Deal Housing Policy: Explicating and Mapping HOLC Loans to African Americans." Journal of Urban History 46, no. 1 (2019): 150–80. http://dx.doi.org/10.1177/0096144218819429.

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Scholarship on the Home Owners’ Loan Corporation (HOLC) has typically focused on this New Deal housing agency’s invention of redlining, with dire effects from this legacy of racial, ethnic, and class bias for the trajectories of urban, and especially African American neighborhoods. However, HOLC did not embark on its now infamous mapping project until after it had issued all its emergency refinancing loans to the nation’s struggling homeowners. We examine the racial logic of HOLC’s local operations and its lending record to black applicants during the agency’s initial 1933-1935 “rescue” phase,

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15

Ogiemudia, Omorose A., Igbinovia Lawson Eghosa, and Amenze S. Airhiavbere. "MICROFINANCE BANKS OPERATIONS AND ECONOMIC DEVELOPMENT IN NIGERIA." Oradea Journal of Business and Economics 7, no. 2 (2022): 75–86. http://dx.doi.org/10.47535/1991ojbe158.

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The paper explored the influence of Microfinance Banks (MBs) on Economic Development (ED) in Nigeria. It was embarked upon against the background that as statutory function, loans should be provided by MBs to spur developmental purposes that will improve long run living standard. Microfinance annual data stream sourced from the country’s Central Bank of Nigeria (CBN) statistical report and World Bank national accounts data spanning 1992 to 2020 were analysed with Autoregressive Distributed Lag (ARDL) ECM Model. Following detailed time series estimation, findings reveal that MBs, investment, as

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16

Alihodžić, Almir. "Analysis Of Non-Performing Loans Movement And Profitability Of The Banking Market In BH." Economic Themes 52, no. 3 (2014): 332–50. http://dx.doi.org/10.1515/ethemes-2014-0021.

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Abstract The main motive of business operations of any bank is to achieve the highest profit possible and utilise it to increase dividends to shareholders, as well as to create conditions to increase their financial and credit potential by reinvesting in shares. The most important quality indicator of a loan portfolio is the share of non-performing loans to total operating assets and liabilities. In the first quarter of 2013, a trend of increasing non-performing loans in the legal entities sector increased by 2.6%, while there was stagnation with the population, i.e. slight decrease. The main

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17

Ulfiatha Chaerunisa Amir, Achmad Nur Alfianto, and Fuad Yanuar Akhmad Rifai. "Optimizing the Role of KSPPS ERA in Supporting the Development of Small and Medium Enterprises." Mutanaqishah: Journal of Islamic Banking 4, no. 1 (2024): 73–85. http://dx.doi.org/10.54045/mutanaqishah.v4i1.1589.

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This research explores the role of KSPPS ERA in developing SMEs through the provision of interest-free loans and the impact of support on SME growth. The objectives of this study were to identify and analyze the contribution of KSPPS ERA in supporting local SMEs, observe the impact of interest-free loans on business development, and understand how an Islamic finance approach can strengthen the small and medium enterprise sector. The descriptive qualitative method was used in this study with data collection through interviews by KSPPS ERA management, SMEs, and direct observation of KSPPS ERA's

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18

Ermolenko, O. M. "MINIMIZING CREDIT RISK AND IMPROVING THE QUALITY OF THE CREDIT PORTFOLIO OF THE COMMERCIAL BANK." Scientific bulletin of the Southern Institute of Management, no. 2 (June 30, 2017): 18–23. http://dx.doi.org/10.31775/2305-3100-2017-2-18-23.

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The article examines the main factors shaping the credit risk and defines the role of credit risk in the process of formation of a credit portfolio of commercial banks. In conditions of instability and financial uncertainty, credit institutions are faced with risks, including credit, because credit operations occupy the largest share in their activities. The quality of loan portfolio determines the capabilities of the Bank in its functioning on the market of credit products, which affects the level of lending activity and the possibility of recovery in the credit market. The process associated

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19

Lim, Ghee-Soon, and Soo-Choon Lye. "Pawnbroking in Singapore." Asian Case Research Journal 05, no. 02 (2001): 251–70. http://dx.doi.org/10.1142/s021892750100010x.

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Started in 1875, pawnbroking was a unique small business sector in Singapore. Its core business activity comprised giving out loans to walk-in pawners who presented valuables as collateral (pledges). Pawnbrokers made most of their profits from the interest differentials between the interests charged on the loans and the cost of capital of providing the loans. They were allowed to auction off unredeemed pledges through approved auction houses to recover their losses. Pawnbrokers were also allowed to purchase unredeemed pledges that had been pawned with themselves at the auction. About 90% of th

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Basheer, Adil, Akeel Salim, and Israa Kateh. "The role of periodic financial reports in reducing credit risks in Iraqi commercial banks." Al Kut Journal of Economics and Administrative Sciences 15, no. 47 (2023): 301–19. http://dx.doi.org/10.29124/kjeas.1547.15.

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Commercial banks seek to achieve their strategic goals and the lowest possible credit risks through the quality of financial reports, and what is meant here by quality are reports (comprehensive and detailed disclosure of all details of credit risks), as these reports give those banks reliability in their professional performance and are an effective control tool in reducing those Risks The main function of banks is the process of granting loans, which is considered the most profitable banking operation, and at the same time, banks must maintain a sufficient liquidity ratio to manage other ban

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KLYMASH, N.I., and A.A. POHUKAIEVA. "Lending to corporations: current realities and challenges." Market Relations Development in Ukraine №1(248)2022 146 (May 23, 2022): 7–15. https://doi.org/10.5281/zenodo.6574556.

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Relevance of the research topic. In today’s conditions of financial globalization, the economy of any country is unable to function successfully without corporate access to credit. Such a source of financial resources is a bank loan, which is designed to diversify the activities of economic entities, modernization of equipment and investment projects. Formulation of the problem. In order to increase the efficiency of management and ensure profitability, it is advisable for companies to study the conditions of the loan and determine the economic consequences of such financing. Setting goa

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Prokhorov, Viktor, and Vladimir Panteleev. "MECHANISM TO ENSURE THE COUNTRY'S DEFENSE CAPABILITY." Socio-economic and humanitarian magazine, no. 2 (June 17, 2025): 17–24. https://doi.org/10.36718/2500-1825-2025-2-17-24.

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The paper examines issues related to the financing of the armed forces and the military-industrial complex of the Russian state. The study considers the possibility of using the issue of bond loans as one of the sources of financing the armed forces and the military-industrial complex of the country. The research studies the experience of issuing military bond loans in Russia and the USSR. An analysis is made of the mechanism of issuing military bond loans of the Russian Empire, conducted in the 18th century to finance the Russo -Turkish wars, the war with Sweden, military operations in Poland

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Khymych, Iryna, Tetiana Vynnyk, and Nataliia Tymoshyk. "Business lending analysis during the war: state support programs." Socio-Economic Problems and the State 28, no. 1 (2023): 30–41. http://dx.doi.org/10.33108/sepd2023.01.030.

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The peculiarities of business lending in wartime are analyzed in the article. It is determined that crises always have a great impact on business. The crisis affects both negative and positive factors for business development simultaneously. It is found that the war made many adjustments in the national business functioning. The war factor contributes to the significant transformation of national business. It is determined that lending is one mechanism for national companies to provide support. The top-5 largest banks that provided loans to legal entities in Ukraine in 2022 are presented. The

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RUDENKO, Serhii, Sergii STEPANENKO, and Kateryna AMPILOHOVA. "OPTIMIZATION OF BANK CONSUMER LENDING MANAGEMENT ON THE BASIS OF QUALITY ASSESSMENT OF ITS LOAN PORTFOLIO." Ukrainian Journal of Applied Economics 5, no. 4 (2020): 58–69. http://dx.doi.org/10.36887/2415-8453-2020-4-6.

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Introduction. Ukrainian banking institutions are constantly faced with the problem of non-repayment of consumer loans received by individuals. The reasons for this need to be identified, classified and assessed, which is primarily the object of credit risk management of banking institutions. The lack of effective methods for assessing and managing risks in the provision of consumer loans can ultimately lead to significant problems in the efficient operation and financial stability of banks. Despite the existing scientific and practical achievements, the issue of assessment and management of co

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Li, Bing, Binqing Xiao, and Yang Yang. "Strengthen credit scoring system of small and micro businesses with soft information: Analysis and comparison based on neural network models." Journal of Intelligent & Fuzzy Systems 40, no. 3 (2021): 4257–74. http://dx.doi.org/10.3233/jifs-200866.

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This study identifies credit risk sources, credit scoring index classification modes and modelling methods, and constructs a credit scoring system for small and micro businesses (SMBs) with soft information. Through the analysis and comparison of neural network models, this study demonstrates the superiority of the back-propagation neural network (BPNN) models for loan classification prediction. There are three contributions and innovations as follows. (1) Based on the actual demands and default characteristics of SMBs, this study adds the behavioural variables of loan managers to strengthen t

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Easterly, Michael. "Your Job Is Your Credit: Creating a Market for Loans to Salaried Employees in New York City, 1885–1920." Enterprise & Society 10, no. 4 (2009): 651–60. http://dx.doi.org/10.1017/s1467222700008296.

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In the first decade of the twentieth century, a market in the personal debt of corporate and government employees was thriving in New York City and other major urban centers in the Northeastern andMidwestern United States. A set of shadowy entrepreneurs, colloquially known as “loan sharks,” offered short-term, high-rate advances that they called salary loans. Despite operating in violation of the law, primarily the prohibition against usury, the operations of these intermediaries had by 1912 reached an imposing scale. At least eighty-one such offices operated in Manhattan and Brooklyn alone, w

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Mafimisebi, Taiwo, Adegboyega Oguntade, and Ojuotimi Mafimisebi. "Re-engineering agriculture for enhanced performance through financing." Cuadernos de difusión 15, no. 29 (2010): 35–49. http://dx.doi.org/10.46631/jefas.2010.v15n29.03.

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Insufficient institutional credit is a major contributor to the persistent poor performance of the Nigerian agricultural sector. To encourage financial institutions to increase lending to the sector, a partial credit guarantee scheme was instituted. The scheme commenced operations in 1978 with an authorized capital of N 100.00 million, subscribed to 60% and 40% by the Federal Government of Nigeria and the Central Bank of Nigeria, respectively. This paper presents an appraisal of the scheme. The results revealed that there has been continuous growth in paid-up share capital, total fund resource

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Gutierrez, Alexander V. "Role of eco loans in the advancement of renewable energy technologies." E3S Web of Conferences 488 (2024): 02007. http://dx.doi.org/10.1051/e3sconf/202448802007.

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The Philippine Central Bank is aware of the effects of climate change and other factors such as environmental and social risk that could disrupt the banking industry. Financial stability is one of the main concerns specifically in its effects in banking operations and financial interests. The study aims to explore the possibility of providing eco loans from Philippine Banks for the advancement of sustainable energy technologies in homes and industries. The study used the Delphi method and interviewed several experts from the banks. The results shows that majority of them do not have an Eco-Loa

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Petrushko, Yaryna. "CREDIT RISKS AS THE OBJECT OF CONTROL AND REGULATION BY THE NATIONAL BANK OF UKRAINE." Economic Analysis, no. 27(1) (2017): 150–55. http://dx.doi.org/10.35774/econa2017.01.150.

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The article aims to define the main methods that can be used by the National Bank of Ukraine for controlling and regulating of the credit operation by the banks. One of the main targets of controlling and regulating of such type of operations by the National Bank is the protection of investors’ rights and interests, since credit activities are the allocation of the investors’ money. By the analysing the laws and regulations, the main requirements and ratios, which are stipulated by the National Bank and are to be adhered by all banks, have been unified. Both adhering of the required rations an

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Yu, Monna Cong, and Joel G. Matamis. "Impact of microfinance on the operations of small business enterprise in rural areas." Executives 2 (May 31, 2021): 80–94. https://doi.org/10.5281/zenodo.10211906.

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The growth rate of farmers' income is relatively slow, and the income gap between urban and rural residents and regions continues to enlarge. The problems of agriculture, rural areas, and farmers are still serious in China, which needs to pay more attention to system innovation and reasonable policy adjustments. This study aims to determine the impact of microfinance on the asset scale, annual sales, annual net profit, and number of employees of small enterprises in rural areas. The hypothesis of the study would reveal if microfinance played a positive role in promoting the development of smal

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Kweku Asiama, Rexford, Anthony Amoah, and Godson Ahiabor. "Does mobile money business influence non-performing loans in the traditional banking sector? Evidence from Ghana." African Journal of Business and Economic Research 15, no. 4 (2020): 171–88. http://dx.doi.org/10.31920/1750-4562/2020/v15n4a8.

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The study analyzes the influence of mobile money business on the growth of non-performing loans in Ghana. Quarterly time-series data from 2000-2018 are used. This secondary data was obtained from the the New International Database of Financial Fragility and the Bank of Ghana online database. In the absence of data on quarterly volumes of mobile money transactions or the estimated number of firms, we present groundbreaking macro-level evidence of how mobile money business operations contribute to the problem of nonperforming loans in Ghana. We estimated an autoregressive distributed lag model (

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Səlimxan oğlu Bədəlov, Araz. "The concept of credit and the role of crediting in the economy." SCIENTIFIC WORK 76, no. 3 (2022): 54–58. http://dx.doi.org/10.36719/2663-4619/76/54-58.

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İstehlak kreditləri günümüzdə ən aktual olan kreditin təzahür formalarından biridir. Bəzi hallarda istehlak kreditləri ilə bank kreditləri anlayışları eyniləşdirilir və yaxud da qarışdırılır. Lakin bu iki anlayış arasında kəskin fərqlər mövcuddur. Belə ki, istehlak kreditləri əhalinin ayrı-ayrı təbəqələrinin, fiziki və hüquqi şəxslərin zəruri ehtiyaclarını ödəmək məqsədilə verilən kredit növüdür. Bu forma istər pul formasında, istərsə də hər hansısa bir əmtəənin satın alınmasında iştirak edə bilər. Bu səbəbdən də istehlak kreditlərinin subyekti kimi yalnız banklar deyil, eyni zamanda da bank o

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Ririn, Maria Oktavia Klaudia, Falentina Lucia Banda, and Yulita Londa. "PENGARUH KREDIT BERMASALAH, SIMPANAN ANGGOTA DAN JUMLAH ANGGOTA TERHADAP SISA HASIL USAHA (SHU) PADA KOPERASI SIMPAN PINJAM SINAR HARAPAN JEREBUU." Jurnal Riset Ilmu Akuntansi 4, no. 2 (2023): 130–40. http://dx.doi.org/10.37478/jria.v4i2.3910.

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The purpose of this study is to determine the effect of non-performing loans, member savings and the number of members on the remaining operating results (SHU) in the Sinar Harapan Jerebuu Savings and Loans Cooperative. This type of research used is quantitative research. The data used is secondary data which is the financial report data of Savings and Loan Cooperatives The results showed that: 1) The number of non-performing loans has a negative effect on the amount of Remaining Business Results (SHU) in the Sinar Harapan Jerebuu Cooperative. This is evidenced by the value of tcount &gt

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OLUMIDE KELVIN ODEBODE, CHUKWUGOZIEM TOM EZI, and BERNHARD OZOFERE ISHIORO. "Effects of non-performing loans on return on equity of selected commercial banks in Nigeria." World Journal of Advanced Research and Reviews 21, no. 1 (2024): 2599–608. http://dx.doi.org/10.30574/wjarr.2024.21.1.0194.

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The study examined the effect of Non-Performing Loans (NPL) on return on equity (ROE) of selected Commercial Banks in Nigeria covering the period 2010 - 2021 with special emphasis on Fidelity Bank, Union Bank and Wema Bank Plc. It specifically determined the effect of non-performing loans (NPL) and Bank Size (SIZE) on the profitable of commercial banks measured by Return on Equity (ROE). The study utilized secondary data obtained from the annual financial report and accounts of the selected commercial banks in Nigeria for the period of study. The data were analyzed using panel least square met

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OLUMIDE, KELVIN ODEBODE, TOM EZI CHUKWUGOZIEM, and OZOFERE ISHIORO BERNHARD. "Effects of non-performing loans on return on equity of selected commercial banks in Nigeria." World Journal of Advanced Research and Reviews 21, no. 1 (2024): 2599–608. https://doi.org/10.5281/zenodo.13377686.

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The study examined the effect of Non-Performing Loans (NPL) on return on equity (ROE) of selected Commercial Banks in Nigeria covering the period 2010 - 2021 with special emphasis on Fidelity Bank, Union Bank and Wema Bank Plc. It specifically determined the effect of non-performing loans (NPL) and Bank Size (SIZE) on the profitable of commercial banks measured by Return on Equity (ROE). The study utilized secondary data obtained from the annual financial report and accounts of the selected commercial banks in Nigeria for the period of study. The data were analyzed using panel least square met

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Küçük, Şeyma Yilmaz. "DETERMINANTS OF NON-PERFORMING CONSUMER LOANS FOR TURKEY: ARDL BOUNDS TESTING APPROACH." Business, Management and Economics Engineering 20, no. 02 (2022): 312–28. http://dx.doi.org/10.3846/bmee.2022.16936.

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Purpose – the aim of this study is to specify the factors affecting the non-performing consumer loans in deposit banks operating in Turkey. Besides the internal factors specific to banks, the effect of macroeconomic factors is also investigated. Research methodology – monthly data of deposit banks operating in Turkey and data on macroeconomic indicators for the period 2005:1–2021:12 is used is the study. With these data, ARDL bound testing approach is applied. If there is cointegration relation between variables, the long and short run coefficients are estimated. Findings – with the two differ

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Neno, Modesta, Amanda Leontin Barek Balenaen, Santhya Evita Jemadu, and Yohanes Pemandi Lian. "Analisis Penerapan Akuntansi dalam Pengelolaan Dana Simpan Pinjam RT di Fafinesu B, Kecamatan Insana Fafinesu, Kabupaten TTU." SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business 8, no. 1 (2025): 206–11. https://doi.org/10.37481/sjr.v8i1.1023.

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Several Neighborhood Associations in Fafinesu B Village have formed savings and loan business groups with the aim of providing loans to members or other residents who need urgent funds. All financial management processes are carried out simply which makes the results obtained relatively minimal. This study was conducted with the aim of analyzing the application of accounting principles in the management of savings and loan funds. The research method used is a descriptive qualitative approach and data collection is carried out using interview, observation and questionnaire techniques. The resul

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Manachynska, Yulia, and Volodymyr Yevdoshchak. "ACCOUNTING FOR CREDIT OPERATIONS IN BANKS UNDER THE COVID-19 PANDEMIC CONDITIONS." BULLETIN OF CHERNIVTSI INSTITUTE OF TRADE AND ECONOMICS I, no. 81 (2021): 84–101. http://dx.doi.org/10.34025/2310-8185-2021-1.81.06.

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The period of corona crisis prompted the emergence of new challenges for domestic corporate and individual businesses. In particular, small, medium-sized businesses and micro-enterprises experienced a significant lack of financial resources and an urgent need for credit funds. For the first time in history the banking system of Ukraine provided support ACCOUNTING, ANALYSIS AND AUDIT Issue I (81), 2021 85 on the appropriate lending level to both the corporate sector and individual borrowers during the crisis. The Cabinet of Ministers of Ukraine has developed and actively implemented in practice

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KRAMARENKO, Iryna, and Liliia KOZACHENKO. "METHODOLOGY FOR ASSESSING THE BORROWER’S CREDITWORTHINESS: PRACTICAL ASPECT." Economy of Ukraine 2018, no. 5 (2018): 49–60. http://dx.doi.org/10.15407/economyukr.2018.05.049.

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Today, the banking system does not fulfill its main task, since it does not finance or lend to the real sector of the economy, and a quarter of the loans provided are written off and unpaid. The current situation in Ukraine necessitates studying the ways and means to improve the assessment of the borrower’s creditworthiness as the main direction for stabilizing and improving the efficient lending activity of com-mercial bank. The purpose of the study is: (i) to access the current state of bank lending to business; (ii) to access the borrower’s creditworthiness and its influence on the amount o

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Kurnykina, O. V. "Audit of Bank Lending Transactions Accounting when Applying International Standards." Accounting. Analysis. Auditing 10, no. 3 (2023): 58–64. http://dx.doi.org/10.26794/2408-9303-2023-10-3-58-64.

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One of the most important areas of verification during auditing a bank is the audit of the funds placed in loans. The purpose of the audit is to confirm the accuracy of the information in the reports. The article deals with the problems of auditing the accounting of cash loan transactions. Taking into account that one of the objectives of the audit is to confirm the reliability of data in the accounts, the change in requirements for the formation of information on loans issued in the conditions of applying international accounting standards (IFRS) has predetermined the very need to expand and

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Ghosh, Amit. "Do real estate loans reflect regional banking and economic conditions?" Journal of Financial Economic Policy 8, no. 1 (2016): 37–63. http://dx.doi.org/10.1108/jfep-09-2015-0050.

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Purpose Using state-level data, the purpose of this paper is to examine state banking-industry specific as well as region economic determinants of real estate lending of commercial banks across all 51 states spanning the period 1966-2014. Design/methodology/approach Using both fixed-effects and dynamic-generalized method of moments (GMM) estimation techniques the study compares the sensitivity of different categories of real estate loans to regional banking and economic conditions. Finally, it provides a comparative perspective by comparing the results for real estate loans with other categori

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Briozzo, Anahi, and Hernán Vigier. "The role of personal loans in the financing of SMEs." Academia Revista Latinoamericana de Administración 27, no. 2 (2014): 209–25. http://dx.doi.org/10.1108/arla-10-2013-0167.

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Purpose The purpose of this paper is to study the determinants of the use of personal loans in small and medium‐sized enterprises (SMEs). Design/methodology/approach Personal loans are addressed as a function of the borrower and collateral. To empirically test the hypothesis of this study, a probit model was applied to a group of companies in Bahia Blanca, Argentina, with a previous analysis of the possible effects of sample selection. Findings Older companies, firms with lower expected growth rates, younger owners, those who seek to create value or growth, and owners who perceive low emotiona

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Mallinguh, Edmund, and Zeman Zoltan. "Financial Institution Type and Firm-Related Attributes as Determinants of Loan Amounts." Journal of Risk and Financial Management 15, no. 3 (2022): 119. http://dx.doi.org/10.3390/jrfm15030119.

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Access to formal credit remains critical for business operations, particularly for firms unable to generate sufficient funds internally. Using the World Bank’s Enterprise Survey dataset, 2018, we analyzed 230 Kenyan firms that applied for loans. These loans are sourced from banks (private, commercial, or state-owned) or non-banking financial institutions. Specifically, the paper explores the effect of financial institution type and firm-related characteristics on loan amounts advanced. The results show that the preferred credit provider matters, with the sensitivity level varying among the thr

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Chhinh, Nyda, Serey Sok, Veasna Sou, and Pheakdey Nguonphan. "Local Engagement in the Agricultural Cooperatives (ACs) Operation in Cambodia." Sustainability 14, no. 24 (2022): 16515. http://dx.doi.org/10.3390/su142416515.

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Agricultural Cooperatives (ACs) have empowered farmers to develop resources sustainably. They transfer traditional subsistence agriculture to diversify crops and develop a value chain. This paper aims to analyze local engagement by focusing on the degree of participation, factors influencing local engagement in ACs operations and the constraints of ACs operations to support communities. With a cohort of 421 farmer members in the Kampong Speu and Pursat provinces of Cambodia, household surveys were designed to consider how factors influence local engagement. It was discovered that: (i) local en

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Hasna, Ishfa Naqiyyan, Acep Suherman, and Andri Indrawan. "ANALISIS KREDIT BERMASALAH DAN PENYALURAN KREDIT DALAM UPAYA MENINGKATKAN PENDAPATAN PERUSAHAAN." Jurnal Revenue : Jurnal Ilmiah Akuntansi 5, no. 1 (2024): 1155–66. http://dx.doi.org/10.46306/rev.v5i1.574.

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Non-performing loans are the biggest risk that can lead to the liquidation of a bank. Non-performing loans are something that can affect the continuity of bank operations, because they can cause losses and do not accumulate interest and other income, thus disrupting bank operations, especially in terms of liquidity adequacy. The type of research used by the author is a qualitative descriptive method, the data processed is data obtained from the results of interviews and unstructured observations that will be analyzed qualitatively and described in descriptive form. Non-performing loans (NPL) a

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M Fakhri Ulsar Sirait, Rahima Br Purba, and Oktarini Khamilah Siregar. "Payment System Analysis Non Cash Loan in Order to Increase Net Cash Flow Company Operations and Supplier at PT Adhi Karya (Persero) Tbk Project Stone Crusher Sigli Toll - Banda Aceh." Formosa Journal of Social Sciences (FJSS) 3, no. 2 (2024): 449–54. http://dx.doi.org/10.55927/fjss.v3i2.10659.

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This research aims to determine Payment System AnalysisNon-Cash Loans In Order to ImproveNet Cash FlowCompany Operations andSupplierson PT Adhi Karya (Persero) Tbk ProjectStone CrusherSigli-Banda Aceh Toll Road. This research uses variablesnon-cash loan, with the dependent variableNet Cash FlowAnd suppliersas a moderating variable. The method used is descriptive method. This research uses secondary data obtained from IDX and documentation from collaborating companies. The population and sample in this research was the PT Adhi Karya (Persero) projectStone CrusherSigli-Banda Aceh Toll Road. This

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Dodson, Charles B., and Bruce L. Ahrendsen. "Farm and lender structural change: implications for federal credit." Agricultural Finance Review 77, no. 1 (2017): 78–94. http://dx.doi.org/10.1108/afr-05-2016-0046.

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Purpose The purpose of this paper is to examine changes in the structures of US farms and lenders and identify prospective implications for federal credit. Design/methodology/approach Data from US farm operations for 1996-2014 were adjusted to 2014 values using commodity price indices. Farm size groups were constructed by value of farm production to analyze changes in farm numbers, production, assets, debt, leverage, liquidity, profitability, land tenure, commodity type, contract production, organization type, and use of Farm Service Agency (FSA) direct and guaranteed loans by farm size. Bank,

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Thapa, Makshindra, and Narendra Sejuwal. "Credit Risk and Profitability Position of Nepalese Private and Joint Venture Commercial Banks." Batuk 9, no. 2 (2023): 23–36. http://dx.doi.org/10.3126/batuk.v9i2.57025.

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Credit concentrations, credit processes and other externalities have made credit risk more important over the past decade, followed by liquidity issues. This study was conducted to compare the credit risk exposure of various banks in terms of their liquidity, capital ratio, size, operational inefficiency, loan growth rate, and non-performing loans. It also investigated the spontaneous relationship between credit risk and bank profitability. Secondary data of 5 years from ten banks (5 each from joint venture and private banks) have been collected. The descriptive and comparative study designs w

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Akhsan, Firdayana, Syamsu Alam, and Andi Aswan. "Bank Profitability: Comparison Between Conventional And Islamic Bank In Indonesia." International Journal of Business and Quality Research 1, no. 03 (2023): 87–101. https://doi.org/10.63922/ijbqr.v1i03.499.

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This article discusses to analyse the differences of commercial banks in the United States. Indonesia by comparing Islamic banks and conventional banks as well as analysing the influence of independent variables such as loan to deposit ratio or financing to deposit ratio, non-performing loans or non-performing financing, and fee-based income on the profitability of Islamic banks and conventional banks from 2015-2022. Data obtained from 95 bank entities. The results of this study indicate that there are differences in variables that contribute to profitability found is the variable Non Performi

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Sharma, Sheetal. "Regulatory framework for Regulating Non-Banking Financial Company." International Scientific Journal of Engineering and Management 04, no. 05 (2025): 1–9. https://doi.org/10.55041/isjem03685.

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INTRODUCTION: Companies providing financial services by granting loans or purchasing other companies are known as NBFCs. In accordance with Section 45I of the RBI Act, an NBFC is characterized as a customer enrolled under the Company Act of 1956 or any other relevant law right now in influence which offers services for the relinquish of bonds, shares, debentures and investments, or other instruments with marketability such as leasing, lease-purchase, assurance, chit business, loans, and loans and advances. Section 45I (f) of the RBI Act, 1934 defines an NBFC as: The first is "a financial organ

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