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Journal articles on the topic 'Logan Tent No'

Author: Grafiati

Published: 26 July 2024

Last updated: 31 July 2025

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1

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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Ross, Andrew. "You are Not a Loan: A Debtors Movement." Culture Unbound 6, no. 1 (2014): 179–88. http://dx.doi.org/10.3384/cu.2000.1525.146179.

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Written from the participant perspective of the author, the article documents the debt resistance movement that is one of the enduring offshoots of Occupy Wall Street. Addressing the household debt crisis in the wake of the financial crash, it focuses in particular on student debt, approaching an aggregate 1.2 trillion in the U.S., with defaulters numbering in the tens of millions. The emergence of The Occupy Student Debt Campaign is analyzed, along with the initiatives of its successor, Strike Debt, including the Rolling Jubilee and the Debt Resistors Opera-tions Manual. The article concludes

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Anshari, Muhammad, Mitra istiar Wardhana, and Dhara Alim Cendekia. "Visual Login Fingerprints Scanner Aplikasi Mobile Banking (BRImo, Jenius, BNI Mobile Banking) berdasarkan Model Kait Nir Eyal." JoLLA: Journal of Language, Literature, and Arts 3, no. 8 (2023): 1198–216. http://dx.doi.org/10.17977/um064v3i82023p1198-1216.

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Fitur fingerprint scanner cenderung lebih sering digunaakan secara repetitif untuk login pada aplikasi perbankan karena dianggap lebih cepat dan mudah. Anggapan ini juga terlihat dari sedikitnya usaha kognitif pada proses pencarian tombol fingerprint scanner. Tombol fingerprint scanner aplikasi BRImo, BNI Mobile Banking dan Jenius cenderung menjadi kontras serta halaman login didesain untuk mengarahkan pengguna pada fitur tersebut. Berdasarkan kebiasaan repetitif penggunaan fingerprint scanner dan aspek visual yang mengarahkan pengguna ke fingerprint scanner penelitaia ini menggunakan model

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Hu, Xiaoya, Hong Zhao, Shihui Zheng, and Licheng Wang. "CBOL: Cross-Bank Over-Loan Prevention, Revisited." Entropy 22, no. 6 (2020): 619. http://dx.doi.org/10.3390/e22060619.

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With the development of credit businesses, privacy data leakage and data accuracy in loan transactions among different banks tend to be worrisome issues hindering the prosperity of the industry. To address the problem, we propose a blockchain-based cross-bank over-loan prevention (CBOL-ring) mechanism, which ensures that, on the one hand, the plaintext of loan transactions cannot be access to neither participants on the nodes except the bank that handles loan/repayment requests, so as to prevent the borrower from loaning without revealing their privacy data; on the other hand, the other partic

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Wahrenburg, Mark, Andreas Barth, Mohammad Izadi, and Anas Rahhal. "Risk Factors of Collateralized Loan Obligations and Corporate Bonds." Zeitschrift für Bankrecht und Bankwirtschaft 32, no. 6 (2020): 347–55. http://dx.doi.org/10.15375/zbb-2020-0604.

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AbstractStructured products like collateralized loan obligations (CLOs) tend to offer significantly higher yield spreads than corporate bonds (CBs) with the same rating. At the same time, empirical evidence does not indicate that this higher yield is reduced by higher default losses of CLOs. The evidence thus suggests that CLOs offer higher expected returns compared to CB with similar credit risk. This study aims to analyze whether this return difference is captured by asset pricing factors. We show that market risk is the predominant risk factor for both CBs and CLOs. CLO investors, however,

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Kim, Jeong-Bon, Byron Y. Song, and Theophanis C. Stratopoulos. "Does Information Technology Reputation Affect Bank Loan Terms?" Accounting Review 93, no. 3 (2017): 185–211. http://dx.doi.org/10.2308/accr-51927.

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ABSTRACT This study investigates whether Information Technology (IT) reputation, captured by the accumulation of consistent IT capability signals, influences bank loan contracting even though banks have access to inside information. We predict that IT reputation is associated with better loan terms because it lowers credit risk via its impact on default and information risks. Results based on 4,218 loan facility-years reveal, as predicted, that firms with a reputation for IT capability tend to have more favorable price and non-price terms for loan contracts and are less likely to have their cr

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Lim, Kwangsoo. "Pro-Cyclicality of Provisions for Loan Losses." International Journal of Finance & Banking Studies (2147-4486) 11, no. 3 (2022): 14–20. http://dx.doi.org/10.20525/ijfbs.v11i3.1823.

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The crux of bank accounting is how to measure and disclose ex ante credit risk, as loan yields and cost of funds are determined by managerial effectiveness and the financial market. This paper examines how the practice of setting up provisions for loan losses by bank managers had changed to preserve regulatory capitals around the 2008 financial crisis. This paper examines the empirical relationship between ex ante credit loss, which is proxied by loan losses provisions, and realized credit loss, which is measured by net charge-off. The empirical relations are examined before, during, and after

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Wang, Ruimin, Haitao Li, Jing Jing, Liehui Jiang, and Weiyu Dong. "WYSIWYG: IoT Device Identification Based on WebUI Login Pages." Sensors 22, no. 13 (2022): 4892. http://dx.doi.org/10.3390/s22134892.

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With the improvement of intelligence and interconnection, Internet of Things (IoT) devices tend to become more vulnerable and exposed to many threats. Device identification is the foundation of many cybersecurity operations, such as asset management, vulnerability reaction, and situational awareness, which are important for enhancing the security of IoT devices. The more information sources and the more angles of view we have, the more precise identification results we obtain. This study proposes a novel and alternative method for IoT device identification, which introduces commonly available

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Rakhmina, Dinna, Lisa Lisa, and Jasmadi Joko Kartiko. "Logam Merkuri pada Masker Pemutih Wajah di Pasar Martapura." Medical Laboratory Technology Journal 3, no. 2 (2017): 53. http://dx.doi.org/10.31964/mltj.v3i2.172.

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<p style="text-align: justify;">Currently, many brands and types of skin whitening cosmetics can be found on the market. Not all products are safe for consumers. Illegal or non-licensed cosmetics from BPOM are suspect because unlisted cosmetics tend to contain harmful chemicals such as mercury (Hg). Mercury (Hg) was including harmful heavy metals. The use of mercury has been banned since 1998 through PERMENKES RI No. 445 of 1998, where mercury in small concentrations can be toxic. Negative effects of mercury such as allergies, skin irritation and permanent damage to the nervous system, k

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N, Rupavathy, Carmel Mary Belinda M. J, and Nivedhitha G. "A shoulder surfing resistance using graphical authentication system." International Journal of Engineering & Technology 7, no. 1.7 (2018): 169. http://dx.doi.org/10.14419/ijet.v7i1.7.10644.

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Authentication supported passwords is employed mostly in applications for laptop security and privacy. However, human actions like selecting unhealthy passwords and inputting passwords in an insecure approach are considered “the weakest link” within the authentication chain. Instead of impulsive alphanumerical strings, users tend to decide on passwords either short or purposeful for simple learning. With internet applications and mobile apps piling up, individuals will access these applications any time and any place with numerous devices. This evolution brings nice convenience however additio

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Jha, Srirang, Amiya Kumar Mohapatra, and Shyam S. Lodha. "Political Economy of Farm Loan Waivers in India." FIIB Business Review 8, no. 2 (2019): 88–93. http://dx.doi.org/10.1177/2319714519844128.

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Political leadership of various states in India is under tremendous pressure to provide instant relief to the farmers reeling under debt trap, resulting in suicides in several cases. Often, suicides by peasants are widely covered in the media which in turn sway the people’s perception about apparent indifference of the government towards the farming communities of the country. This certainly brings in concerns related to political economy revolving around judicious distribution of wealth and national income of the country. State governments of India are generally reluctant to waive off the far

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Sharah, Muh Agus. "Adsorpsi Logam (Pb) dengan Menggunakan Biji Kelor sebagai Adsorben." JURNAL KRIDATAMA SAINS DAN TEKNOLOGI 5, no. 02 (2023): 495–505. http://dx.doi.org/10.53863/kst.v5i02.1000.

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Lead or in everyday life is better known as lead, in scientific language it is called lead, and this metal is symbolized by Pb. This metal is included in group IV-A metals on the periodic table of chemical elements. It has an atomic number (NA) of 82 and an atomic weight (BA) of 207.2 (Palar, 2008). Lead in air is in the form of Pb (OH)2. Most of the lead metal on earth enters natural water systems and accumulates, which can eventually enter the bodies of animals and humans, which can cause children's intelligence to decrease, stunted body growth, and even cause paralysis. other symptoms such

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Gubangco, Alliah Grace D., Josh Denziel S. Joves, and Anna Corinna D. Pizarro-Uy. "Consumption in the Philippines: In the Course of Unemployment and Loan Acquisition." Journal of Economics, Finance and Accounting Studies 4, no. 2 (2022): 18–34. http://dx.doi.org/10.32996/jefas.2022.4.2.2.

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Unemployment is one of the problems of Filipinos, which affects their consumption of goods and services since they have no income, worsened by the increasing prices in the market. Here, they tend to acquire consumer loans to support their means in obtaining their needs and wants, but due to the acquisition of previous loans and obligations to pay, they tend to adjust their consumption. Embedded from the Life-Cycle Hypothesis, Permanent Income Hypothesis and Keynesian Consumption Theory, the main objective of the research was to identify the relationship of unemployment, consumer loans per capi

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BAWA, Nura, and Maryam BASHAR. "Student's Perceptions of the Use of CBT for the Conduct of General Studies (GST) Examinations in Usmanu Danfodiyo University, Sokoto." International Journal of Social Science and Human Research 05, no. 1 (2022): 50–55. https://doi.org/10.47191/ijsshr/v5-i1-08.

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The paper investigated the students’ perceptions of the use of CBT for the conduct of General Studies (GST) examinations in Usmanu Danfodiyo University, Sokoto. The study employed a descriptive survey design. All the 5600 undergraduate students who sat for GST examinations during the 2019/2020 academic session formed the population of the study. The Israel Model (2013) was used to determine 372 students as the sample size for the study. An instrument titled "Students’ Perceptions of Writing CBT Examination" (SPWCBTE) was used for the data collection. The instrument was va

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Siringoringo, Vincent Theodorus, Delianis Pringgenies, and Ambariyanto Ambariyanto. "Kajian Kandungan Logam Berat Merkuri (Hg), Tembaga (Cu), dan Timbal (Pb) pada Perna viridis di Kota Semarang." Journal of Marine Research 11, no. 3 (2022): 539–46. http://dx.doi.org/10.14710/jmr.v11i3.33864.

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Logam berat merupakan zat pencemar yang sangat berbahaya bagi sistem lingkungan hidup karena bersifat toksik, tidak dapat terurai secara alami dan cenderung terakumulasi didalam perairan dan tubuh organisme. Akumulasi logam berat Hg, Cu dan Pb dalam biota dapat berdampak buruk bagi kesehatan manusia yang mengonsumsinya dalam konsentrasi tertentu seperti gangguan sistem saraf, merusak ginjal bahkan kematian. Penelitian ini bertujuan untuk menentukan kandungan logam berat merkuri (Hg), tembaga (Cu) dan timbal (Pb) pada kerang hijau (Perna viridis) dan batas aman konsumsinya di wilayah Pelabuhan

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Bitia, Ruthana, and Zuliani Dalimunthe. "Bank Ownership and Decline in Loan Growth due to the Pandemic." Indonesian Capital Market Review 14, no. 2 (2022): 136–45. http://dx.doi.org/10.21002/icmr.v14i2.1153.

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This study aims to analyze the effect of bank ownership structure on loan growth before and during the pandemic. Specifically, we developed four models to capture different loan types provided in the Indonesian banking system; working capital, investment, consumer, and total loan growth. This study used 150 observations of commercial banks for 2019 (before the pandemic) and 2020 (during the pandemic). We conducted the regression method to test hypotheses. The main finding of this study was that foreign banks’ consumer credit growth significantly lower than domestic banks. Similar findings occu

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Ademola, Abimbola O. "Loan Quality Metrics and the Performance of Microfinance Banks in Nigeria." AKSU Journal of Management Sciences 9, no. 2 (2024): 133–46. https://doi.org/10.61090/aksujomas.9210.

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This research explores the effect of loan quality measures on the performance of microfinance banks (MFBs) in Nigeria, with Return on Assets (ROA) as one of the main performance indicators. Twenty MFBs were purposively selected with data spanning from 2019 to 2023, specifically the study focused on how Loan-to-Deposit Ratio (LDR), Default Rate (DR), and Credit Risk Ratio (CRR) affect MFBs performance. The findings suggest that a higher LDR positively contributes to an improvement in ROA, indicating that properly managed lending tend to enhance profitability through greater interest income. On

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Maltby, Robert. "The distribution of Greek loan–words in Terence." Classical Quarterly 35, no. 1 (1985): 110–23. http://dx.doi.org/10.1017/s0009838800014609.

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The aim of this paper is to discuss Terence's use of Greek loan-words and to examine their distribution by plays and by characters. How far are they used for stylistic effect and what relationship do they have to the themes of different plays? Is there any evidence for the concentration of these words, which often tend to be colloquial in tone, in the mouths of slaves and characters of low social status for the purposes of linguistic characterisation? Finally, does Terence's use of these words develop in the course of his short career? The usefuleness of a previous note on this subject by J. N

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Sheil, Ashley, and David Malone. "Guessing PINs, One Partial PIN at a Time." Entropy 24, no. 9 (2022): 1224. http://dx.doi.org/10.3390/e24091224.

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Entering digits of a personal identification number (PIN) is a common form of authentication. One variant of this scheme is to request the digits from a random subset of positions, which is sometimes called a partial PIN. In this paper we consider strategies for guessing the PIN when a partial PIN scheme is in use, which allows the quantification of the strength of this mechanism. We suggest several strategies for guessing the PIN under the assumption that the organisation assigns PINs randomly and requests random positions from the PIN at each login. We present analytic and simulation results

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Siraj, Shehbaz, Ihsan Ullah, and Mehak. "Reframing the colonial gaze: A postcolonial reading of 99 nights in Logar by Jamil Jan Kochai." Social Sciences Spectrum 3, no. 4 (2024): 552–62. https://doi.org/10.71085/sss.03.04.294.

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This article analyzes deconstructing the colonial gaze in 99 Nights in Logar penned by Jamil Jan Kochai. This paper focuses on the Western stereotype underpinning Afghanistan in its development of characters and the narrative structure. Jamil Jan Kochai disintegrates the formed image of Afghanistan by incorporating a multi-angled and fragmented approach. This also offers an in-depth picture of Afghan identity. The book presents figures who tend to battle with the Western Gaze and Afghan identity. This shows the internalization and resistance of the colonial power dynamics. This reverses the un

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Nkiendem, Felix, Samuel Ringmu Huboh, and Godlove Nkemkiafu Ayankeng. "The Effect of Loan Portfolio Diversification on the Performance of Microfinance Institutions in Cameroon." International Journal of Management and Economics Invention 10, no. 11 (2024): 3646–57. https://doi.org/10.5281/zenodo.14053682.

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ABSTRACT : This study investigates the effect of loan portfolio diversification on the performance of microfinance institutions. 32 MFIs are selected from various regions employing the quantitative techniques approach. Quantitative data were gathered through questionnaires and performance was also through questionnaires from the MFIs. The research design integrates a cross-sectional analysis to capture a snapshot of current diversification practices on financial performance indicators such as return on assets (ROA) and return on equity (ROE). The findings indicate that MFIs with diversified lo

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Verma, Priyanka, Anjali Goyal, and Yogita Gigras. "Email phishing: text classification using natural language processing." Computer Science and Information Technologies 1, no. 1 (2020): 1–12. https://doi.org/10.5281/zenodo.3891668.

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Phishing is networked theft in which the main motive of phishers is to steal any person’s private information, its financial details like account number, credit card details, login information, payment mode information by creating and developing a fake page or a fake web site, which look completely authentic and genuine. Nowadays email phishing has become a big threat to all, and is increasing day by day. Moreover detection of phishing emails have been considered an important research issue as phishing emails have been increasing day by day. Various techniques have been introduced and ap

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Widyatama, Arif, Akmal Irfan Majid, Teguh Wibowo, Deendarlianto Deendarlianto, and Samsul Kamal. "EXPERIMENTAL STUDY ON THE PHENOMENA ON THE SUCCESSIVE DROPLETS IMPACTING HOT COPPER SURFAC." Jurnal Penelitian Saintek 24, no. 2 (2019): 129–42. http://dx.doi.org/10.21831/jps.v24i2.26923.

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This study was aimed at investigating the phenomena and interactions between water droplets and hot metal surfaces using an experimental method. In this study, the droplet was dropped from 50 mm from the top of the metal surface with a frequency of 8.5 droplets per second. The observed droplet diameter was 3.12 mm. The metal used was copper with a surface temperature between 110-240 ° C. High speed video camera with a speed of 2000 fps was used to record visual data. Then the image processing technique was applied to calculate the change in droplet diameter. The results show that at low temper

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Pasaribu, Pananda, and Bonnie Mindosa. "The Bank Specific Determinants of Loan Growth and Stability: Evidence from Indonesia." Journal of Indonesian Economy and Business 36, no. 2 (2021): 93–123. http://dx.doi.org/10.22146/jieb.v36i2.1385.

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Introduction/Main Objectives: This study aims to examine the specific determinants of loan growth and the consequences of excessive loan growth on bank stability. Background Problems: Bank loans play an important role in economic growth, but previous studies indicate that excessive loans lead to bank instability. Novelty: This study undertakes a comprehensive analysis, as it will discuss both the loan determinants and excessive loans simultaneously. Research Methods: This study covers more than 89% of the total loans of commercial banks (listed and non-listed banks) between 2002 and 2018 and i

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Bello, Rotimi-Williams. "Architectural Design of a Secured Web-Based Healthcare Portal." International Research Journal of Advanced Engineering and Science 3, no. 2 (2018): 332–40. https://doi.org/10.5281/zenodo.4451845.

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Abstract—Web-based healthcare portal refers to the health-related services that are accessed over a network connection using Hyper Text Transfer Protocol (HTTP), rather than existing within a device’s memory. However, Web-based healthcare portal also may be clientbased, where a small part of the health-related services are downloaded to a user’s desktop, but processing is done over the internet on an external server through which the portal is exposed to a lot of security pitfalls. Therefore, this research work intended to design defense architecture with security check point

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Zariyawati, M. A., M. T. Hirnissa, and K. A. Muhammad-Mujb. "Determinant Factors of Non-Performing Loan among Non-Bank Financial Intermediaries in Malaysia." International Journal of Business and Management 16, no. 8 (2021): 48. http://dx.doi.org/10.5539/ijbm.v16n8p48.

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This study aimed to investigate the determinants of non-performing loans (NPLs) using a case of the Non-Bank Financial Intermediaries (NBFIs) in Malaysia during the period from 2009 to 2018. The study revealed that the level of NPLs can be attributed to both NBFI-specific factors (internal factors) and macroeconomic factors. The assessments on panel data analysis were done using STATA software. The results show that NBFI size, Profit (ROA), Lending Interest Rate (IR), and Inflation (INF) have a significant positive relationship with NPLs. The findings reveal that NPLs tend to increase with the

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Nugraha, Yogaprasta Adi, and Mariana R. A. Siregar. "The Role Of Local Loan Institution In Providing Safety Net In Rural Area." JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) 2, no. 1 (2018): 1–6. http://dx.doi.org/10.33751/jhss.v2i1.813.

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Rural area cannot be separated with poverty, according to Statistics Center Board (BPS), there are 18 milions rural people live below poverty line. Rural poverty has become many focus in development studies. There is a siginificant difference between rural poverty and urban poverty. Poor society in urban area are more vulnurable compared to poor society in rural area. In rural area, poor people tends to have informal social security that helps them to survive. This research aimed to determine the role of loan institution in providing social safety net for rural poor. Qualitative method was use

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Susantoro, Tri Muji, and Ariani Andayani. "Kontaminasi Logam Berat di Kawasan Pesisir Tanjung Selor Kalimantan Utara." Oseanologi dan Limnologi di Indonesia 4, no. 1 (2019): 1. http://dx.doi.org/10.14203/oldi.2019.v4i1.181.

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<strong>Heavy Metal Contamination in the Coastal Area of Tanjung Selor North Kalimantan.</strong> The establishment of the North Kalimantan Province transformed the Tanjung Selor region and its surroundings into the provincial capital so that it will grow rapidly, both in terms of development and other activities. Monitoring environmental conditions, one of which is heavy metals in the waters need to be carried out as a starting environment before the area develops. This is important given the nature of heavy metals that change toxic at concentrations that exceed the threshold. The

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ARMSTRONG, Anderson da Costa. "Pandemia Covid-19 em Cooperativa Médica: Experiência do Luto Coletivo na Dinâmica Gerencial." Sociedade Brasileira de Ecologia Humana 08, no. 09 (2022): 135–52. https://doi.org/10.5281/zenodo.11522916.

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Relatado o caso da UNIMED Vale do São Francisco na pandemia COVID-19, descrevendo indicadores administrativos e de vigilância epidemiológica em linha de tempo. Nos dois anos da pandemia, houve melhora média dos indicadores financeiros e perfil favorável no número de beneficiários ativos. A sinistralidade média em 2020 foi abaixo da tendência dos anos anteriores, mas já retoma aos mesmos patamares em 2021. O número de internações por síndrome respiratória grave parece acompanhar a incidê

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Abidin, Zainal, Suci Amanati, Kuswardani Kuswardani, and Alamsyah Alamsyah. "PENGARUH TRANSCUTANEUS ELECTRICAL NERVE STIMULATION, LASER DAN TERAPI LATIHAN PADA PASCA OPERASI TOTAL KNEE REPLACEMENT." Jurnal Fisioterapi dan Rehabilitasi 2, no. 1 (2018): 52–59. http://dx.doi.org/10.33660/jfrwhs.v2i1.47.

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LATAR BELAKANG : Total Knee Replacement (TKR) adalah prosedur operasi pengganti sendi lutut yang tidak normal dengan material buatan. Dalam pembedahan penggantian totalsendi lutut, bagian ujung tulang akan diganti dengan bahan logam dan plastic (polyethylene). Laporan tindakan sebanyak 70 pasien berusia 50 - 85 tahun yang menjalani total kneereplacement pada periode Januari 2011 - Januari 2012 yang dilakukan oleh dokter bedah di Rumah Sakit Universitas Aalborg, Denmark (Buletin Orthopedi, 2013). Penelitian ini dilakukan di RSUD Bendan kota Pekalongan dengan menggunakan sampel sebanyak 8 partis

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Zhang, Yaojie, Yu Wei, and Benshan Shi. "The pricing of loan insurance based on the Gram-Charlier option model." China Finance Review International 8, no. 4 (2018): 425–40. http://dx.doi.org/10.1108/cfri-10-2017-0210.

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PurposeThe purpose of this paper is to develop a loan insurance pricing model allowing for the skewness and kurtosis existing in underlying asset returns.Design/methodology/approachUsing the theory of Gram-Charlier option, the authors first derive a closed-form solution of the Gram-Charlier pricing model. To address the difficulties in implementing the pricing model, the authors subsequently propose an iterative method to estimate skewness and kurtosis in practical application, which shows a relatively fast convergence rate in the empirical test.FindingsNot only the theoretical analysis but al

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Muftiadi, Anang, Rivani ., and Dian Fordian. "ANALISIS DAN DETERMINAN EFISIENSI SEKTOR KONSTRUKSI DI INDONESIA." AdBispreneur 4, no. 1 (2019): 73. http://dx.doi.org/10.24198/adbispreneur.v4i1.21030.

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The construction sector business, as the backbone of infrastructure development is tend to be in-efficient and burdensome on national infrastructure costs. This study aims to explore the in-efficiency level and its determinants of Construction Sector businesses. Efficiency level is measured by input coefficients of Input-Output Table and use secondary data from Central Statistics Agency in 1995, 1998, 2000, 2003, 2005, 2008,and 2010.The results show, there is in-efficiency in Construction Sector at 2010 and is likely to continue to following years. The dominant source of the in-efficiency is I

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Mofleh, Abdul Fattah, and Mamordin Mangal. "Unlocking the Tourism Potential of Mawlana Yaqoob Charkhi Valley in Charkh District, Logar Province, Afghanistan." Integrated Journal for Research in Arts and Humanities 3, no. 5 (2023): 287–93. http://dx.doi.org/10.55544/ijrah.3.5.30.

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This research study examines the tourism potential of Mawlana Yaqoob Charkhi Valley in Charkh District, Logar Province, Afghanistan, and investigates its impact on the local economy. The primary objective is to identify key enhancements that can effectively attract a larger number of visitors and assess the influence of tourism on local market demand. A quantitative research approach was employed, utilizing a structured questionnaire administered to a sample of 100 visitors. The collected data was analyzed using the Wilcoxon non-parametric test in the statistical software SPSS. The findings re

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Kelchen, Robert, and Amy Y. Li. "Institutional Accountability: A Comparison of the Predictors of Student Loan Repayment and Default Rates." ANNALS of the American Academy of Political and Social Science 671, no. 1 (2017): 202–23. http://dx.doi.org/10.1177/0002716217701681.

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The federal government holds colleges accountable if too many of their students default on loan repayment, but the default measure traditionally used captures only a fraction of students who are struggling to repay their loans. The 2015 College Scorecard dataset introduced a new loan repayment metric, showing that the percentage of students who have not reduced the principal balance of their loans by at least $1 over a given period of time far outstrips the traditional loan default measure. Using a sample of 3,595 colleges, we test the extent to which student demographics, institutional charac

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Maulia, Azzahra, and Yohanna M. L. Gultom. "Impact of Gender, Age, and Education of Peer-to-Peer Lender on Loan Viability Assessment: Evidence from Sharia Firm." Indonesian Capital Market Review 15 (July 1, 2023): 113–24. http://dx.doi.org/10.21002/icmr.v15i2.1188.

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Peer-to-peer (P2P) lending offers investors the discretion to allocate funds based on their risk tolerance. However, funds cannot be withdrawn until loans mature or are repaid by borrowers, rendering it a relatively high-risk investment. Research suggests that women in older age groups tend to exhibit greater risk aversion, though financial literacy may mitigate gender disparities. This study employs logistic regression to analyze the impact of gender, age, and education on P2P loan viability assessment. Our findings indicate that, generally, older lenders are less likely to finance high-risk

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Vojinovic, Borut. "World corporate loan markets for raising new capital - does distance still matter: Are financial assets priced locally or globally?" Ekonomski anali 51, no. 168 (2006): 31–48. http://dx.doi.org/10.2298/eka0668031v.

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Though the paper focuses on pricing, as the background I provide some evidence about loan flows across markets in the form of borrowers? and lenders? propensity to issue outside their natural home market. The data show that borrowers stay home when they can and that they tend to issue in Europe when they must issue abroad. That is, borrowers domiciled in one of the major markets (Europe, U.S., and Asia) almost always issue in that market, whereas borrowers in more remote locations usually issue in the European market. For example, borrowers from Latin America are overwhelmingly issuing in Euro

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Borolla, Johanis Darwin, Harjum Muharam, and Irene Rini Demi Pangestuti. "Liquidity vs. Sustainability Dilemma: Do Loan Ratios Hinder Social Transparency in Banks of Emerging Asia-Pacific?" Journal of Applied Accounting and Taxation 10, no. 1 (2025): 124–34. https://doi.org/10.30871/jaat.v10i1.9272.

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The aim of this study is to analyze the fundamental dilemma in banking concerning the trade-off between liquidity management and sustainability commitments, with a focus on the banking sector in emerging Asia-Pacific economies. The findings reveal that banks with higher Total Loans to Total Deposits (TLTD) ratios tend to exhibit stronger Social Disclosure Scores (SDS), driven by stricter regulatory oversight. In contrast, banks with higher Total Loans to Total Assets (TLTA) ratios demonstrate weaker sustainability disclosures, prioritizing financial performance over ESG commitments. This study

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Chen, Hao, Xiaoming Zheng, and Lijuan Liu. "Ethical decision making in a critical development phase." Emerald Emerging Markets Case Studies 2, no. 8 (2012): 1–11. http://dx.doi.org/10.1108/20450621211311588.

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Subject area Ethical decision making, business ethics. Study level/applicability This case is applicable to MBA, EDP and EMBA courses. Case overview TOREAD, a professional provider of outdoor equipment in China, started in business by producing and selling tents. To meet market demand, TOREAD expanded its product line which ranges from outdoor durable tent products to “pan-outdoor” products including footwear and clothing. During the critical expansion phase, TOREAD was challenged by a quality problem in a batch of outsourced sandals that had been manufactured by a contracted supplier. By rese

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Firiyansyah, Syahril, Amrizal Amrizal, and Siska Mitria Nova. "MENINGKATKAN KREATIVITAS SISWA DALAM MEMANFAATKAN LIMBAH ALUMINIUM UNTUK KRIYA LOGAM DI SMA NEGERI 1 PANYABUNGAN UTARA." Educraf : Journal Of Craft Education, Craft Design And Creative Industries 2, no. 1 (2023): 34. http://dx.doi.org/10.26887/educraf.v2i1.3255.

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This research was conducted to increase students' creativity in utilizing aluminum waste for metal crafts at SMA Negeri 1 Panyabung Utara. The main source of problems in research is that students tend to be more passive and less creative, so that they are constrained in generating ideas for metal work. This study aims to increase students' creativity by utilizing aluminum waste and to find out the form of metal crafts produced by utilizing aluminum waste with press carving and filigree techniques. Data collection techniques in this study are active participation observation techniques, intervi

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Suprianto, Bakri Rasyid Nasution, Junsean Christian Karo Karo, M. Rafli, and Fadly Ahmad Kurniawan Nasution. "Studi Karakteristik Komposit Matrik Logam Al-Cu-Mg Dengan Penambahan SiC Disintesis Menggunakan Teknik Metalurgi Serbuk Diikuti Artificial Aging." Infotekmesin 16, no. 1 (2025): 31–37. https://doi.org/10.35970/infotekmesin.v16i1.2503.

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The improvement of the characteristics of Al-Cu-Mg through SiC addition and precipitate formation can be achieved through powder metallurgy and artificial aging, which means that the correct amount of particles and holding time are important. This research aims to investigate the effect of SiC and time on microstructure change, mechanical properties, and electricity. The Al, Cu, Mg, and (1~2.0) wt.%SiC powder were mixed by horizontal milling and subsequent sintering at 500oC. The artificial aging at 180oC with (2, 4, 6) hour holding times. The hardness test, compression, electrical conductivit

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Leonard, Tommy, Elvira Fitriyani Pakpahan, and Kevin Alexander. "FREEDOM OF CONTRACT IN MORTGAGE LOAN AGREEMENT AT PT. BANK CIMB NIAGA, TBK. IN MEDAN." International Journal of Latin Notary 2, no. 02 (2022): 143–51. http://dx.doi.org/10.61968/journal.v2i02.42.

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In a credit agreement, the position of the bank as a creditor and the customer as a debtor is never balanced. The position of the bank is stronger than that of potential customers. Whereas freedom of contract can only achieve justice if the parties have a balanced bargaining power. Unbalanced bargaining power occurs when a strong party can impose his will on a weak party, until the weak party only follows the terms of the contract proposed to him. Given that in the credit agreement there has been a contractual relationship and the clauses tend to favor the bank as the creditor, in a credit agr

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