Relevant bibliographies by topics / Logan Tent No

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Logan Tent No'

Author: Grafiati
Published: 26 July 2024
Last updated: 31 July 2025

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Journal articles on the topic "Logan Tent No"

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Rahmi, Cut Navita, Sri Sugiarti, and Alvian Dea Yuliani. "Karbon dots (C-dots) dari Bahan Hayati untuk Deteksi Logam Berat." ALCHEMY Jurnal Penelitian Kimia 19, no. 2 (2023): 234. http://dx.doi.org/10.20961/alchemy.19.2.61881.234-246.

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<p>Pendeteksian logam berat pada limbah hasil industri perlu dilakukan untuk mencegah timbulnya penyakit apabila memasuki tubuh manusia. Salah satu bahan yang dapat digunakan untuk pendeteksian logam berat yaitu C-dots. C-dots yang berasal dari bahan hayati akan menghasilkan gugus fungsi yang dapat meningkatkan karakteristik optik C-dots agar lebih selektif dalam pendeteksian logam berat. Selain itu, penggunaan bahan hayati sebagai sumber C-dots akan memanfaatkan limbah sehingga mengurangi sampah. Penelitian ini bertujuan untuk mengkaji nanopartikel karbon C-dots yang berasal dari sumber
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Kotwasińska, Agnieszka. "Un/re/production of Old Age inThe Taking of Deborah Logan." Somatechnics 8, no. 2 (2018): 178–94. http://dx.doi.org/10.3366/soma.2018.0249.

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The article offers a re-examination of abjected femininity and old age through a close reading of The Taking of Deborah Logan (2015), a found footage horror movie centered on spectral possession. While to a large extent the movie replicates an infamous monstrous old woman trope, it also effectively questions typical Alzheimer's disease (AD) narratives, which tend to portray life with AD as a story of unmitigated loss and debility. In The Taking of Deborah Logan, potentially destabilizing moments occur when in the face of progressive loss of control, memory, and bodily functions, the main prota
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李照聖, 李照聖. "永續連結貸款的會計問題──IFRS 9之SPPI測試與嵌入式衍生工具". 月旦會計實務研究 57, № 57 (2022): 089–94. http://dx.doi.org/10.53106/252260962022090057010.

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Logeshkumar, P*1 Nandish R2 Vijaykumar G3 &. Sivanantham S4. "WEB PORTAL FOR PLACEMENT AND TRAINING CELL FOR COLLEGES." International Journal OF Engineering Sciences &Management Research 5, no. 4 (2018): 1–5. https://doi.org/10.5281/zenodo.1213153.

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The web portal of placement and training cell provides various placement and training related activities performed in the placement and training cell. This system have admin login and student login. The admin has overall rights of the system. The student can upload his/her details after registration and also student can able to see the upcoming drives which was uploaded by admin. The student can learn various programming languages through this web application. Where this system also provides mcq test for students. This system manages student data as well as company details efficiently. The adm
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Abaidoo, Rexford. "Loan delinquency and macroeconomic conditions." American Journal of Business 33, no. 3 (2018): 82–95. http://dx.doi.org/10.1108/ajb-03-2018-0006.

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Purpose The purpose of this paper is to examine how specific macroeconomic indicators and conditions impact short- and long-run loan delinquency rates among US commercial banks under various economic episodes. Design/methodology/approach The study employs an autoregressive distributed lag framework (ARDL) and error correction model in its examination of how loan delinquency rates are impacted by specific macroeconomic variables and conditions. Findings This study finds that in both the short and long run, a percentage growth in macroeconomic indicators, such as industrial productivity and priv
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Penikas, H. I. "Retail loan pricing determinants in Russia." Voprosy Ekonomiki, no. 6 (June 5, 2023): 36–61. http://dx.doi.org/10.32609/0042-8736-2023-6-36-61.

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The research relies on the uniquely extracted dataset of loan offered rates at the start of 2022. We justify that the larger banks are more prone to disclose such offers. Content-wise we are able to disentangle the loan-specific credit risk factors and the bank risk-appetite drivers. We show that banks using own data and models to compute prudential ratios (IRB-banks) tend to evaluate the credit risk more conservatively than the rest of the banks.
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Tenripada, Andi Sakinah Yan. "Application of Expected Loss (EL) for Loan Loss Estimation Based on Loan Term Using Simulation Data." International Journal of Mathematics, Statistics, and Computing 3, no. 1 (2025): 6–11. https://doi.org/10.46336/ijmsc.v3i1.179.

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This study aims to evaluate the effect of loan tenor on loan loss estimation using the Expected Loss (EL) model. Through this simulation data calculation, various scenarios with varying loan tenors show that loan tenors have a significant influence on the calculation of Expected Loss (EL). Longer tenors tend to increase the Expected Loss (EL) due to an increase in credit risk over time. The calculation results provide important implications for financial institutions in setting lending policies and managing credit risk.
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O’Malley, Thomas C., and Brian C. Payne. "Blind Optimism and Student Loan Debt." Journal of Education Finance 49, no. 2 (2023): 156–75. http://dx.doi.org/10.1353/jef.2023.a928647.

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abstract: This paper analyses potential links between extreme optimism and student loan debt. Prior work finds extreme optimism to be associated with imprudent household savings and investment decisions. This paper explores whether these findings are relevant to student loan decisions. Using the most recent administration of the Survey of Consumer Finances (SCF), we present evidence that extreme optimists tend to be over-indebted with higher student loan balances, in absolute terms and relative to income. They are less likely to make payments on their student loan debt or reduce their loan bal
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Nugraha, Mohammad Agung, Irma Akhrianti, Fika Dewi Pratiwi, and Agung Priyambada. "Geokimia dan Asesmen Pencemaran Logam Berat Cd, Cu dan Zn pada Sedimen Permukaan Estuari Baturusa, Bangka." Jurnal Kelautan Tropis 26, no. 1 (2023): 35–48. http://dx.doi.org/10.14710/jkt.v26i1.16467.

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The Baturusa estuary receives inputs of organic and inorganic materials from several human activities along the river. The characteristics of heavy metals such as toxicity, resistance to decomposition, and ability to accumulate in aquatic biota can indirectly have a negative impact on the health of humans who consume marine biota. The research was conducted with the aim of studying the geochemical characteristics and assessing the level of heavy metal contamination of Cd, Cu and Zn in the sediments of the Baturusa Estuary. Heavy metal fractionation was analyzed by sequential extraction. The CF
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You, Seung Dong. "Construction Loan Guarantee and Construction Cost Risk Management." Korea Real Estate Policy Association 24, no. 2 (2023): 1–13. http://dx.doi.org/10.54091/krepa.2023.24.2.1.

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This paper discusses risk management in construction loan guarantee. Developers tend to finance their construction cost with loans and most lenders in Korea ask developers to provide them with a guarantee letter. The guarantee provider needs to implement and enhance skills of risk management associated with development projects. This paper classifies risks associated with development cost from the perspective of guarantee provider and the paper examines strategies of risk management associated in particular with construction cost.
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Dissertations / Theses on the topic "Logan Tent No"

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Black, Kevin. "Determining capital adequacy for a community bank's agricultural loan portfolio." Thesis, Kansas State University, 2015. http://hdl.handle.net/2097/35221.

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Master of Agribusiness<br>Department of Agricultural Economics<br>Brian C. Briggeman<br>As the recent financial crisis brought to light, the ability of commercial banks to quantify and better manage risk in their loan portfolios is paramount to their continued success and viability. Assessing, managing, and retaining capital is now a larger issue than ever given this event as well as the advent of the Basel III Accord. Pinnacle Bancorp is a community banking organization headquartered in Omaha, Nebraska with roughly $8.6 billion in assets. The company is also one of the largest agricultu
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Ferhani, Francois-Fabien. "Comparing partial and complete test sets and test metrics /." May be available electronically:, 2008. http://proquest.umi.com/login?COPT=REJTPTU1MTUmSU5UPTAmVkVSPTI=&clientId=12498.

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Lee, Donghwi. "Launch delay test /." May be available electronically:, 2008. http://proquest.umi.com/login?COPT=REJTPTU1MTUmSU5UPTAmVkVSPTI=&clientId=12498.

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Thomte, Tristan Calhoun. "Grammatical person in text and narrative /." May be available electronically:, 2009. http://proquest.umi.com/login?COPT=REJTPTU1MTUmSU5UPTAmVkVSPTI=&clientId=12498.

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Todesco, Massimiliano <1995&gt. "AN UNEXPECTED STRESS TEST FOR SECURITIZATION-BASED SECURITIES: IMPACT OF COVID-19 ON COLLATERALIZED LOAN OBLIGATIONS." Master's Degree Thesis, Università Ca' Foscari Venezia, 2022. http://hdl.handle.net/10579/20901.

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The dissertation begins with a description of the securitisation process and the subjects involved. In the first part we present some introductory notions about the functioning of the products obtained by the securitization process. In this introductory section, special attention will be paid to the purposes of securitisation transactions. The aim of the second part of the thesis is to analyse CDOs, which are financial instruments deriving from the securitisation process. Due to their high leverage and complexity, CDOs are among the main culprits of the previous crisis. The next step is to des
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Cortes, Antonio. "Enhancing test data generation using constraint programming." To access this resource online via ProQuest Dissertations and Theses @ UTEP, 2008. http://0-proquest.umi.com.lib.utep.edu/login?COPT=REJTPTU0YmImSU5UPTAmVkVSPTI=&clientId=2515.

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Senapati, Rajeev. "Discrete element modelling of silicon nitride ceramics crack formation and propagation in indentation test and four point bending test /." To access this resource online via ProQuest Dissertations and Theses @ UTEP, 2009. http://0-proquest.umi.com.lib.utep.edu/login?COPT=REJTPTU0YmImSU5UPTAmVkVSPTI=&clientId=2515.

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Yilmazel, Ozgur. "Empirical selection of NLP-driven document representations for text categorization." Related electronic resource: Current Research at SU : database of SU dissertations, recent titles available full text, 2006. http://proquest.umi.com/login?COPT=REJTPTU0NWQmSU5UPTAmVkVSPTI=&clientId=3739.

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Lo, Yi-Chen. "Detection of gas/odor based on quartz crystal microbalance sensors and fuzzy similarity measure." To access this resource online via ProQuest Dissertations and Theses @ UTEP, 2008. http://0-proquest.umi.com.lib.utep.edu/login?COPT=REJTPTU0YmImSU5UPTAmVkVSPTI=&clientId=2515.

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Ning, Wei. "A new approach to test for interactions in two-way ANOVA models." Related electronic resource: Current Research at SU : database of SU dissertations, recent titles available full text, 2006. http://proquest.umi.com/login?COPT=REJTPTU0NWQmSU5UPTAmVkVSPTI=&clientId=3739.

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Books on the topic "Logan Tent No"

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Riau, Ali al-Haji. Kitab pengetahuan bahasa: Yaitu kamus logat Melayu Johor, Pahang, Riau, Lingga. Departemen Pendidikan dan Kebudayaan, Penelitian dan Pengkajian Kebudayaan Nusantara, Bagian Proyek Penelitian dan Pengkajian Kebudayaan Melayu, 1986.

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United States. Congress. House. Committee on Financial Services. Progress in administrative and other efforts to coordinate and enhance mortgage foreclosure prevention: Hearing before the Committee on Financial Services, U.S. House of Representatives, One Hundred Tenth Congress, first session, November 2, 2007. U.S. G.P.O., 2008.

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United States. Congress. Senate. Committee on the Judiciary. The looming foreclosure crisis: How to help families save their homes : hearing before the Committee on the Judiciary, United States Senate, One Hundred Tenth Congress, first session, December 5, 2007. U.S. G.P.O., 2008.

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United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Paying for college: The role of private student lending : hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Tenth Congress, first session, on issues related to the growth and development of the private educational loan market and its impact on student borrowers and their families, Wednesday, June 6, 2007. U.S. G.P.O., 2009.

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United States. Congress. Senate. Committee on Indian Affairs (1993- ). S. 3128, S. 3355, and S. 3381: Hearing before the Committee on Indian Affairs, United States Senate, One Hundred Tenth Congress, second session, on S. 3128, the White Mountain Apache Tribe Rural Water System Loan Authorization Act, which authorizes a loan to construct a community water supply; S. 3355, the Crow Tribe Water Rights Settlement Act of 2008, which settles the tribe's water rights and provides support for economic development; S. 3381, a bill to authorize the Secretary of the Interior, acting through the Commissioner of Reclamation, to develop water infrastructure in the Rio Grande basin, and to approve the settlement of the water rights claims of the Pueblos of Nambe, Pojoaque, San Ildefonso, Tesuque, and Taos, September 11, 2008. U.S. G.P.O., 2009.

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Arthur, Miller. Collected plays, 1944-1961. Library of America, 2006.

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Arthur, Miller. Collected plays, 1944-1961. Library of America, 2006.

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Arthur, Miller. Collected Plays 1944-1961. Library of America, 2006.

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Authority, Boston Redevelopment. BRA first loan agreement a. 1986.

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Ganguli, Ina, Ricardo Hausmann, and Martina Viarengo. Career Dynamics and Gender Gaps Among Employees in the Microfinance Sector. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780198829591.003.0009.

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Microfinance institutions (MFIs) are commonly identified as empowering women and making them key actors in generating social change and economic development. Yet little is known about the gender parity among employees within the lending institutions themselves and how this can impact development. While MFIs are increasingly important as employers in the developing world, there is little micro-level evidence about gender differences among MFI employees and MFIs’ relation to economic development. We use a unique panel dataset of employees from Latin America’s largest MFI to show that gender gaps
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Book chapters on the topic "Logan Tent No"

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Diffenderfer, Paul M., and Samir El-Assal. "Architecture, login and test-system creation." In Microsoft Navision 4.0. Vieweg+Teubner Verlag, 2005. http://dx.doi.org/10.1007/978-3-663-01607-6_3.

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Salinas Ruíz, Josafhat, Osval Antonio Montesinos López, Gabriela Hernández Ramírez, and Jose Crossa Hiriart. "Generalized Linear Mixed Models for Categorical and Ordinal Responses." In Generalized Linear Mixed Models with Applications in Agriculture and Biology. Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-32800-8_8.

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AbstractAccording to Agresti (2013), a multinomial distribution is a generalization of a binomial distribution in cases with more than two possible ordered (ordinal) or unordered (nominal) outcomes. Given a response with more than two possible outcomes and independent trials with probabilities of similar category for each trial, the distribution of counts across categories follows a multinomial distribution. Quinn and Keough (2002) believe that several methods exist for multinomial data analysis. The most common form of categorical data analysis in biological sciences, which results in frequen
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Wang, Ke Coby, and Michael K. Reiter. "Using Amnesia to Detect Credential Database Breaches." In Advances in Information Security. Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-031-16613-6_9.

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AbstractKnown approaches for using decoy passwords (honeywords) to detect credential database breaches suffer from the need for a trusted component to recognize decoys when entered in login attempts, and from an attacker’s ability to test stolen passwords at other sites to identify user-chosen passwords based on their reuse at those sites. Amnesia is a framework that resolves these difficulties. Amnesia requires no secret state to detect the entry of honeywords and additionally allows a site to monitor for the entry of its decoy passwords elsewhere. We quantify the benefits of Amnesia using pr
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"Loan repayment." In AMS/MAA Textbooks. American Mathematical Society, 2009. http://dx.doi.org/10.1090/text/014/06.

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"5 Loan repayment." In AMS/MAA Textbooks. American Mathematical Society, 2009. http://dx.doi.org/10.1090/text/015/06.

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"Neuroanatomy Basant K Puri and Bari M Logan." In Psychiatry: An evidence-based text. CRC Press, 2009. http://dx.doi.org/10.1201/b13480-30.

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Maran, A. G. D. "Preface to the Tenth Edition." In Logan Turner's Diseases of the Nose, Throat and Ear. Elsevier, 1988. http://dx.doi.org/10.1016/b978-0-7236-0945-2.50004-1.

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Egan, Barry, and Kyle Goslin. "Enhancing Loan Default Prediction with Text Mining." In Ambient Intelligence and Smart Environments. IOS Press, 2022. http://dx.doi.org/10.3233/aise220039.

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Credit scoring is a popular method used by financial institutions to evaluate an applicants’ risk of default. However, in certain circumstances, an individual’s credit score is not an accurate indicator of their risk of default as it may be based on outdated information from a single point in time, or individuals may have no prior credit history from which to build the credit score. Several studies have investigated using text data to enhance the classification of loan default, with varying degrees of success. This research examines if the text data contained in the loan applications of a peer
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Block, Geoffrey. "“What Is a Richard Rodgers?”." In The Richard Rodgers Reader. Oxford University PressNew York, NY, 2002. http://dx.doi.org/10.1093/oso/9780195139549.003.0015.

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Abstract It is indeed unfortunate that subsequent generations remember Joshua Logan (1908-1988) primarily as the man responsible for the outrageous colors that marred the 1958 film version of South Pacific. From the late-1930s through the mid-1950s Logan was one of Broadway’s most distinguished directors and producers with numerous major play and musical credits, including On Borrowed Time and Knickerbocker Holiday (1938), Morning’s at Seven (1939), This Is the Army (1942), Mister Roberts (1948), Picnic (1953), Fanny (1954), and Middle of the Night (1956). His association with Rodgers began in
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Kwena Ramphele, Victor, Muhammad Hoque, and Zamadonda Xulu-Kasaba. "Determining the Relationship Between Exchange Rate and Gross Debt Loan in South Africa." In Business, Management and Economics. IntechOpen, 2023. http://dx.doi.org/10.5772/intechopen.112522.

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High public debt makes the conditions for effective fiscal policy more difficult and, at the same time, causes difficulties in seeking financial resources on the capital markets. There are many conflicting findings on factors contributing to increase on gross loan debt of government. Therefore, this study aims to determining the Relationship Between Exchange Rate and Gross debt loan. This empirical study was based on a quantitative research methodology. The study used the Auto Regressive Distributed Lag (ARDL) model to test the relationship between gross loan debt and exchange rate. Results fo
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Conference papers on the topic "Logan Tent No"

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Chin, Ken S., Mark S. Mongon, Clyde H. Delvin, and Regional Director. "Demolition of the Elevated Central Artery." In SSPC 2003. SSPC, 2003. https://doi.org/10.5006/s2003-00011.

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Abstract The Massachusetts Highway Department and Massachusetts Turnpike Authority, under the auspices of the United States Department of Transportation, Federal Highway Administration, are nearing the completion of the construction of a 7.5 mile urban highway corridor which will replace Boston’s elevated Central Artery (Interstate 93) with a new eight to ten lane underground expressway, and a new four lane tunnel (Interstate 90) beneath Boston Harbor connecting South Boston to Logan International Airport. The existing Elevated Artery, a deteriorated six-lane highway built in the 1950’s, trave
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Yang, Yonghong, Ruijun Zhang, Caiyan Lin, Yuan Chen, Shiqi Sun, and Shangyang Yu. "A tricolor monitoring system of net loan based on Weibo visualization." In Tenth International Conference on Digital Image Processing (ICDIP 2018), edited by Xudong Jiang and Jenq-Neng Hwang. SPIE, 2018. http://dx.doi.org/10.1117/12.2502988.

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ZHANG, XIONG-HUI, and SI-QI YUAN. "THE OPERATIONAL EFFICIENCY OF CHINA'S TOP TEN COMMERCIAL BANKS." In 2021 International Conference on Management, Economics, Business and Information Technology. Destech Publications, Inc., 2021. http://dx.doi.org/10.12783/dtem/mebit2021/35612.

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Based on DEA model, this paper shows that the performance of China's top ten commercial banks is better than that of foreign banks in China, and that of joint-stock commercial banks is better than that of state-owned commercial banks. China's top ten commercial banks can improve their pure technical efficiency and scale efficiency by strengthening their loan management capabilities, developing diversified business, rationally adjusting their scale and paying attention to human resources management.
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Promakhina, I. M. "Efficiency of West European countries' mortgage housing loan markets. Econometric approach." In 2017 Tenth International Conference Management of Large-Scale System Development (MLSD). IEEE, 2017. http://dx.doi.org/10.1109/mlsd.2017.8109671.

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Shang, Julia Yili, and Julian Avellaneda. "A Convenient Mobile Application to Modify High-Sugar Baking Recipes to Diabetic-Friendly using Text Recognition and Artificial Intelligence." In 12th International Conference on Software Engineering and Applications. Academy & Industry Research Collaboration, 2023. http://dx.doi.org/10.5121/csit.2023.131713.

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Previous research demonstrated that an average American adult could easily over consume the daily suggested amount of added sugar. Our team realized that a typical dessert contains way more sugar than suggested amount, which can be potentially harmful to obese and diabetic patients. We decided to develop a mobile application scans conventional baking recipe, recognize the and generates a healthier recipe reduced in sugar using AI to replace some of the ingredients to healthier ones. The three major technical components are authentication service, AI, and text recognition and matching function.
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Rasskazova, A., and K. Potekhina. "Influence of age of the borrower on demand of a consumer loan." In 2017 Tenth International Conference Management of Large-Scale System Development (MLSD). IEEE, 2017. http://dx.doi.org/10.1109/mlsd.2017.8109673.

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Kim, Youngki, Sang Hyun Park, Tae Hyun Fang, and Kiyeol Seo. "A Test of a Loran-C Multi-chain Positioning Method Using ASF Estimates." In 2019 European Navigation Conference (ENC). IEEE, 2019. http://dx.doi.org/10.1109/euronav.2019.8714138.

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Campa, Giovanni, and Matthew P. Juniper. "Obtaining Bifurcation Diagrams With a Thermoacoustic Network Model." In ASME Turbo Expo 2012: Turbine Technical Conference and Exposition. American Society of Mechanical Engineers, 2012. http://dx.doi.org/10.1115/gt2012-68241.

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Linear techniques can predict whether the non-oscillating (steady) state of a thermoacoustic system is stable or unstable. With a sufficiently large impulse, however, a thermoacoustic system can reach a stable oscillating state even when the steady state is also stable. A nonlinear analysis is required to predict the existence of this oscillating state. Continuation methods are often used for this but they are computationally expensive. In this paper, an acoustic network code called LOTAN is used to obtain the steady and the oscillating solutions for a horizontal Rijke tube. The heat release i
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Vareško, Andrea. "The Impact of the COVID-19 Pandemic on Liquidity Loan Demand at the Croatian Bank for Reconstruction and Development." In 43rd International Conference on Organizational Science Development. University of Maribor Press, 2024. http://dx.doi.org/10.18690/um.fov.3.2024.76.

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The sudden outbreak of the COVID-19 pandemic in March 2020 had negative effects on almost all aspects of life. In addition to health and social sectors, the most significant consequences were experienced in the economy, as tight restrictions to curb the spread of the pandemic were implemented worldwide. Due to a significant decrease in business activities and a lack of income, most entrepreneurs encountered serious problems in maintaining liquidity and preserving their business. To mitigate the adverse impacts of the pandemic, the Government of Croatia implemented a series of measures to assis
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Ganiev, Junus, Tezcan Abasız, and Damira Baigonushova. "The Validity of the Endogenous Money Hypothesis in the Eurasian Economic Union Countries." In International Conference on Eurasian Economies. Eurasian Economists Association, 2022. http://dx.doi.org/10.36880/c14.02609.

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The endogeneity of the money supply hypothesis is one of the most discussed and researched topics in the theoretical and empirical literature. According to this hypothesis, the money supply is determined internally within the economy. The aim of this study is to test this hypothesis in the member countries of the Eurasian Economic Union. In order to achieve the goal, the quarterly data of the five countries for the years 2010-2021 was analyzed by panel data analysis. First of all, bank loans were taken as the dependent variable and it was determined that there is a cointegration relationship b
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Reports on the topic "Logan Tent No"

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Karlan, Dean, Melanie Morten, and Jonathan Zinman. A Personal Touch: Text Messaging for Loan Repayment. National Bureau of Economic Research, 2012. http://dx.doi.org/10.3386/w17952.

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Morales, Paola, Daniel Osorio-Rodíguez, Juan S. Lemus-Esquivel, and Miguel Sarmiento. The internationalization of domestic banks and the credit channel of monetary policy. Banco de la República, 2021. http://dx.doi.org/10.32468/be.1181.

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How does the expansion of domestic banks in international markets affect the bank lending channel of monetary policy? Using bank-firm loan-level data, we find that loan growth and loan rates from international banks respond less to monetary policy changes than domestic banks and that internationalization partially mitigates the risk-taking channel of monetary policy. Banks with a large international presence tend to tolerate more their credit risk exposition relative to domestic banks. Moreover, international banks tend to rely more on foreign funding when policy rates change, allowing them to
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Bonomo, Marco, Ricardo Brito, and Bruno Martins. Macroeconomic and Financial Consequences of the Post-Crisis Government-Driven Credit Expansion in Brazil. Inter-American Development Bank, 2015. http://dx.doi.org/10.18235/0011682.

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Government-driven credit played an important role in countervailing the private credit crunch in Brazil during the recent financial crisis. However, government credit concessions continued to expand after the economy recovered. This paper investigates some important features of this expansion using a huge repository of loan contracts between banks and firms, composing an unbalanced panel of almost 1 million firms between 2004 and 2012. The results show that larger, older and less risky firms have benefited most from the government-sponsored credit expansion. Additionally, although higher acces
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Siebenaler, Shane. PR-015-163766-R01 Field Testing of Distributed Acoustic Sensing Systems. Pipeline Research Council International, Inc. (PRCI), 2018. http://dx.doi.org/10.55274/r0011503.

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Distributed acoustic sensing (DAS) technology utilizes a fiber-optic cable as a distributed vibration sensor that can be installed in a right-of-way to monitor for pipeline leaks and to identify third-party interference (TPI), such as mechanized excavation, hand digging, etc. Various laboratory tests have been performed to demonstrate that DAS has the potential to be a flexible solution for pipeline operators. A key gap that needs to be assessed is the ability of the technology to serve its intended leak detection and TPI functions while not generating alarms at any other times. The most compr
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Klinger, Bailey, Asim Khwaja, and Joseph LaMonte. Improving Credit Risk Analysis with Psychometrics in Peru. Inter-American Development Bank, 2013. http://dx.doi.org/10.18235/0009139.

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Access to finance remains a challenge for some micro, small, and medium-sized enterprises (MSMEs) in Peru, particularly informal enterprises with no borrowing history in the formal financial system. Lenders lack the tools to reach these borrowers with sufficient scale and control over risk due in part to the shortcomings of current screening technologies. For this paper, the authors carried out a pilot test of an innovative psychometric tool aimed at evaluating credit risk for business owners seeking a loan from Financiera Confianza, the fourth largest Empresa Financiera in Peru. Applicant res
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Hernández Romero, Karla, Diego A. Vera-Cossio, Bridget Hoffmann, and Camilo Pecha. The Promises of Digital Bank Accounts for Low-income Individuals. Inter-American Development Bank, 2024. http://dx.doi.org/10.18235/0005521.

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The push for adopting digital modes of payment rests on three promises: increased efficiency of transactions, increased financial inclusion, and improvements in the financial well-being of low-income individuals. We experimentally test the extent to which these promises are fulfilled. We exploit the random assignment into an intervention to encourage direct deposits of recurrent government benefits into digital bank accounts in Colombia. Switching from cash to direct deposits reduces disbursement errors and increases access to benefits among eligible beneficiaries. It also increases the owners
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Gamba-Santamaria, Santiago, Luis Fernando Melo-Velandia, and Camilo Orozco-Vanegas. What can credit vintages tell us about non-performing loans? Banco de la República de Colombia, 2021. http://dx.doi.org/10.32468/be.1154.

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Using Colombian credit vintage data, we decompose the non-performing loans into one component that captures the evolution of the payment capacity of borrowers, and other component that captures changes in the credit risk taken by the financial system at the time of loan disbursement. We use intrinsic estimators and penalized regression techniques to overcome the perfect multicollinearity problem that the model entails. We find that these two type of components have evolved differently over time, and that good economic conditions and loose financial conditions improve the payment capacity of bo
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Correa, Ricardo, Julian di Giovanni, Linda S. Goldberg, and Camelia Minoiu. Trade Uncertainty and U.S. Bank Lending. Federal Reserve Bank of New York, 2023. http://dx.doi.org/10.59576/sr.1076.

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This paper uses U.S. loan-level credit register data and the 2018–2019 Trade War to test for the effects of international trade uncertainty on domestic credit supply. We exploit cross-sectional heterogeneity in banks’ ex-ante exposure to trade uncertainty and find that an increase in trade uncertainty is associated with a contraction in bank lending to all firms irrespective of the uncertainty that the firms face. This baseline result holds for lending at the intensive and extensive margins. We document two channels underlying the estimated credit supply effect: a wait-and-see channel by which
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McCall, Jamie, Brittany Weston, James Onorevole, John Roberson, and Jamie Andrews. Extraordinary Times Call for Extraordinary Measures: Use of Loans and Grants for Small Business Assistance During the COVID-20 Pandemic. Carolina Small Business Development Fund and ResilNC, 2022. http://dx.doi.org/10.46712/extraordinary.times.

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The financial losses caused by COVID-19 are extraordinary in scope and have affected every facet of the small business ecosystem. For entrepreneurs, recovery from the pandemic has similarly required extraordinary levels of assistance. We assess the connection between COVID-19 grant and loan emergency interventions with a variety of positive community economic development impacts. Our analysis draws from a survey of aid recipients across ten COVID-19 relief programs offered or administered by Carolina Small Business Development Fund between February 2020 and February 2022. The data highlight th
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Financial Stability Report - Second Semester of 2021. Banco de la República, 2022. http://dx.doi.org/10.32468/rept-estab-fin.sem2.eng-2021.

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Banco de la República’s main objective is to preserve the purchasing power of the currency in coordination with the general economic policy that is intended to stabilize output and employment at long-term sustainable levels. Properly meeting the goal assigned to the Bank by the 1991 Constitution critically depends on preserving financial stability. This is understood to be a general condition in which the financial system assesses and manages the financial risks in a way that facilitates the economy’s performance and efficient allocation of resources while, at the same time, it is able to, on
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