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Journal articles on the topic 'Long-term lending'

Author: Grafiati

Published: 28 May 2022

Last updated: 30 July 2025

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1

Chernykh, Lucy, and Alexandra K. Theodossiou. "Determinants of Bank Long-term Lending Behavior:Evidence from Russia." Multinational Finance Journal 15, no. 3/4 (2011): 193–216. http://dx.doi.org/10.17578/15-3/4-2.

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2

Hassan, M. Taimoor, Mudassar Zaid, Muhammad Waqas, et al. "SME Lending: A Long Term Commitment towards the Development of Industry." International Journal of Learning and Development 2, no. 2 (2012): 71. http://dx.doi.org/10.5296/ijld.v2i2.1589.

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Purpose: The basic purpose is to find out the impacts of SME lending on their development. While conducting the research, a clear objective was established in order to explore the relationship between SME lending and its ultimate impact on the development of SME sector in Bahawalpur, considered as SME Concentrated market of the economy. Design/methodology/approach: The research have been conducted utilizing the actual data with the help of a questionnaire based on the literature studies extensively on SME’s lending and the impact on its development to explore the attributes which leads towards

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3

LEDESMA, JOCELYN P., RACHEL A. VILLAFLOR, and RONALD E. ALMAGRO. "Office Management Quality and Risk Management Practices as Predictors to the Long-term Sustainability of Lending Corporations." South Asian Journal of Social Studies and Economics 22, no. 4 (2025): 196–216. https://doi.org/10.9734/sajsse/2025/v22i4994.

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This study aimed to determine whether office management quality and risk management practices significantly influence the lending corporations’ long-term sustainability. A quantitative descriptive correlational research design was used. A sample of 155 employees from lending corporations in Davao del Norte, Philippines, was selected using simple random sampling. This study used three adapted survey questionnaires. Mean, Person r and regression analysis were used as statistical tools. The findings revealed that the quality of office management in lending corporations is high, and their risk man

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4

Travkin, Mikhail A. "Long-Term Lending in Russian Banks: Current State, Impact of Inflation, and Digital Innovations." Теория и практика общественного развития, no. 9 (September 25, 2024): 75–82. http://dx.doi.org/10.24158/tipor.2024.9.8.

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The article discusses the theoretical foundations of long-term lending, analyzing its role and necessity for de-velopment within the Russian economy. The dependence of long-term lending on the influence of inflation in the period 2021–2024 is investigated. It also substantiates the dependence of the growth and decline in lending growth rates on the level of inflation and concludes that inflation affects precisely the growth rate of lending volumes, but not the increase or decrease in lending volumes. An analysis of the dynamics of lending is carried out for various categories of borrowers (cor

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5

Jiang, Xinyue. "The Impact of Using Short-term Lending for Long-term Investment on Firms' Investment in Innovation." BCP Business & Management 50 (September 22, 2023): 279–91. http://dx.doi.org/10.54691/bcpbm.v50i.5616.

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The prerequisite to ensure the smooth implementation of corporate innovation activities is the availability of sufficient funds. As a form of investment and financing, using short-term lending for long-term investment can provide financial support and relieve financing constraints, but it increases debt repayment pressure and the risk of sustained business operations. Existing literature on the impact of using short-term lending for long-term investment on corporate innovation activities is not yet conclusive. Based on the panel data of Chinese A-share listed companies from 2010 to 2021, this

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6

Huizinga, Harry. "Taxation, time preference, and long term international lending." International Tax and Public Finance 3, no. 4 (1996): 515–22. http://dx.doi.org/10.1007/bf00540220.

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7

Polishchuk, Natalia, Nadia Golda, and Angelina Yuzdepska. "Mortgage lending as a long-term form of investment." Galician economic journal 94, no. 3 (2025): 102–10. https://doi.org/10.33108/galicianvisnyk_tntu2025.03.102.

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The article examines the state of mortgage lending in Ukraine, the features of its development, and the analysis of the main trends in the mortgage market. The issuance of new mortgages in 2021–2024 takes into account, in particular, changes in the distribution of the primary and secondary real estate markets. The main factors influencing the amounts of mortgage loans are highlighted, including macroeconomic conditions, interest rates, government support, and changes in the preferences of home buyers. It is proven that thanks to mortgages, banks have the opportunity to invest in real estate, w

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8

DONGHO, WAMBA TEJIO Willi Verlaine, KAMTA Marcel TAKOULAC, and GEMBOM PHUNGEH DINAH. "Bank Resources, Interest Margin and Long-Term Bank Financing in Franc Zone." Account and Financial Management Journal 09, no. 01 (2024): 3243–52. https://doi.org/10.47191/afmj/v9i1.01.

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Abstract: <em>The aim of this study is to determine the impact of bank resources and interest margin on the long-term bank lending in the countries of the franc zone over the period 2006-2016. We adopted a static panel data model and the random effects estimator. We used a static panel data model with random effects and the generalized least squares (GLS) estimation method. Our results show that basic bank capitalization and long-term savings positively and significantly impact the supply of long-term bank loans within this area. Only equity negatively and significantly affects the granting of

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9

Shova, Nazmun Nahar. "The Causal Nexus between Bank Lending and Economic Growth in Bangladesh: The Vector Error Correction Model Approach." Journal of Applied Economic Research 24, no. 1 (2025): 125–51. https://doi.org/10.15826/vestnik.2025.24.1.005.

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In Bangladesh, banks are crucial for driving economic activities by channeling funds. This makes it essential to understand how bank lending impacts growth. This study offers valuable insights for policymakers to fine-tune financial policies, supporting stable and sustainable development. It delves into the intricate relationship between bank lending and the growth of economy of Bangladesh, emphasizing both short- and long-term effects. This paper looks at the causal relationships between bank lending and economic growth in Bangladesh, focusing on both short-term and long-term effects. To achi

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10

Volosatii, Carolina, and Svetlana Albu. "BEST PRACTICE METHODS FOR ESTIMATING SUSTAINABLE LONG-TERM VALUE FOR LENDING PURPOSE." Journal of Social Sciences V, no. 1 (2022): 88–105. http://dx.doi.org/10.52326/jss.utm.2022.5(1).11.

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Mortgage lending creates risks for consumers who resort to loans as well as for credit institutions that make lending decisions. One way to ensure that the potential risks associated with mortgage lending are properly managed is through the value and price of the mortgaged object. This article refers to the new requirements of the European Banking Authority, to determine a prudential value different from the market value as the security for a credit exposure, which takes into account the long-term sustainability aspects of real estate –Sustainable long term value (LTV-S or MLV). Value, which s

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11

Dobronravova, E. P. "The Impact of Monetary Policy on Loan and Deposit Rates in the Context of Limited Capital Mobility in Russia." Financial Journal 17, no. 3 (2025): 108–25. https://doi.org/10.31107/2075-1990-2025-3-108-125.

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According to the macroeconomic theory, capital controls should improve the transmission of interest rates from the monetary policy rate to market-based short- and long-term rates, as the latter are less affected by global financial conditions. We test this hypothesis using the case of the Russian economy, which faces massive domestic and external restrictions on capital flows in 2022–2024. During this period, the pass-through of interest rates could be reduced: for long-term deposits — by the high level of uncertainty in the Russian economy, for credit rates — by broad preferential lending pro

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12

Pardani, Riendita Restu, and Febrian Kwarto. "Fintech Peer-to-Peer Lending (P2PL): A Long-Term Microeconomic Finance Problem in Indonesia." MARGINAL JOURNAL OF MANAGEMENT ACCOUNTING GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES 4, no. 3 (2025): 578–96. https://doi.org/10.55047/marginal.v4i3.1685.

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This study analyzes the long-term impact of Fintech Peer-to-Peer (P2P) Lending on Indonesia's microeconomy. These platforms have rapidly expanded, improving financial access for those underserved by traditional institutions. While P2P lending offers easy loan access and promotes financial inclusion, concerns exist regarding its effect on borrowers' long-term financial stability and the microeconomy as a whole. Using a descriptive qualitative method and case studies, the research gathered insights from borrowers, P2P providers, and consumer protection experts through in-depth interviews. Result

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13

Bodenhorn, Howard. "Short-Term Loans and Long-Term Relationships: Relationship Lending in Early America." Journal of Money, Credit, and Banking 35, no. 4 (2003): 485–505. http://dx.doi.org/10.1353/mcb.2003.0025.

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14

Putra, Hari Setia, Yunnise Putri, Ali Anis, and Zul Azhar. "Contribution of conventional bank lending for agricultural sector in Indonesia." Jurnal Perspektif Pembiayaan dan Pembangunan Daerah 9, no. 4 (2021): 331–42. http://dx.doi.org/10.22437/ppd.v9i4.13095.

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This study examines the determinant contribution of conventional bank lending for the agricultural sector in Indonesia. The analysis method used in this research is the Vector Correction Model (VECM). The results showed that in the short term, there was no significant effect of the Non-Performing Loan (LogNPL), GDP of Agricultural Sector (LogPDB), and Agricultural Sector Credit Interest Rates (SBK). However, there is an effect of the LogNPL and LogPDB on the conventional bank lending for the agricultural sector in the long term. The LogNPL has a significant positive effect on the contribution

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15

Pratama, Dewi Pardian Intan, and Phany Ineke Putri. "Determinants of Bank Credit in Indonesia." Efficient: Indonesian Journal of Development Economics 5, no. 3 (2022): 254–66. http://dx.doi.org/10.15294/efficient.v5i3.54629.

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This study aims to determine and analyze the long-term and short-term effects of internal banking factors (CAR, LDR, NPL) and banking external factors (GDP, Inflation, Interest Rates, Money Supply, Industrial Production Index) on lending to commercial banks. The analytical method used is the Error Correction Model (ECM). The data used is time series data, which is compiled periodically in a monthly analysis from January 2014 to December 2020 in a time series. CAR and NPL have a significant negative effect on lending. In the short term, the LDR, GDP, Money Supply, and Industrial Production Inde

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16

:1)Wang, Zongjun, and Rujir Gongkhonkwa. "Interbank overnight lending rate pass-through Bangkok Interbank Offered Rate (BIBOR) during the period of financial crisis: In case of Thailand's Interbank Market (2005 to 2011)." Interbank overnight lending rate pass-through Bangkok Interbank Offered Rate (BIBOR) during the period of financial crisis: In case of Thailand's Interbank Market (2005 to 2011) 2, no. 3 (2013): 01–13. https://doi.org/10.5281/zenodo.3405741.

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A global financial crisis was happened began from the end of 2007 till nowadays which that crisis was affected to the other market around the world. Hence this paper focus on the Interbank overnight lending rate and Bangkok Interbank Offered Rate (BIBOR) behavior, a long-run relationship, and pass-through between the financial turmoil and BIBOR in case of Thailand Interbank market that cover the sample period from January 2005 to December 2011. This study findings, firstly the Interbank overnight lending and BIBOR spreads are highest in period B than period A, and period C, however we also fin

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17

Karavayeva, Yu., and O. Bondarkova. "The problem of attraction of credit resources for long–term mortgage housing lending at the regional level." Bulletin of Science and Practice 398, no. 10(11) (2016): 229–36. https://doi.org/10.5281/zenodo.161101.

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The article analyzes the situation prevailing at the moment in the mortgage market, the problems associated with mortgage lending at the present stage of development, the proposed private options for financing long–term mortgage housing credits allocated possible models of attraction of long–term Bank credit, proposed the creation of a regional market for mortgages as a source of self–sufficient system of refinancing of mortgage lending and the inclusion of regional banks in this kind of lending, considered alternative schemes mortgage housing loans at the regional level. Main methods of resea

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18

Abu, Nurudeen, Blessing Izuagie, and Onyewuchi Amaechi Ben-Obi. "Long-Term Asymmetric Impact of VAT on Domestic Investment in Nigeria." Organizations and Markets in Emerging Economies 14, no. 3 (2023): 644–69. http://dx.doi.org/10.15388/omee.2023.14.9.

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We employ a non-linear ARDL (NARDL) technique to explore long-term asymmetric influence of value added tax (VAT) on domestic investment using quarterly data for Nigeria from 1994 to 2021. A long-term relation was found between domestic investment and VAT (alongside lending and inflation rates, credit to private sector, exchange rate, openness and households’ consumption expenditure) based on the bounds test to cointegration. We uncovered a long-term asymmetric association between domestic investment and VAT. The results show that a positive shock (an increase) in VAT has a long-term decrease a

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19

Liu, Ming-Hua, Dimitris Margaritis, and Zhuo Qiao. "The Global Financial Crisis and Retail Interest Rate Pass-Through in Australia." Review of Pacific Basin Financial Markets and Policies 19, no. 04 (2016): 1650026. http://dx.doi.org/10.1142/s0219091516500260.

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In this paper, we examine the impact of the global financial crisis (GFC) on the interest rate pass-through for four types of loans in Australia: mortgages, residentially secured small business lending, nonsecured small business lending and personal loans. Australia is an interesting case study since its central bank lowered but also raised interest rates during the GFC. We find that after the onset of the crisis, there has been a shift in the way banks adjust their lending rates in response to changes in market interest rates; the markup has increased and there has been a drop in both short-

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20

Van Dinh, Doan. "Comparison of the impact of lending and inflation rates on economic growth in Vietnam and China." Banks and Bank Systems 15, no. 4 (2020): 193–203. http://dx.doi.org/10.21511/bbs.15(4).2020.16.

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Inflation and lending rates are two important macroeconomic indicators as they affect economic growth. The correlation between the inflation rate and the lending rate in Vietnam and China is analyzed to determine whether the lending rate causes inflation or not. An ordinary least square model (OLS) and a unit root test are applied to check the correlation and cointegration related to the inflation and lending rates to avoid spurious regression. The research time series data were collected from 1996 to 2017. The correlation of Vietnam’s variables is 56%, the correlation of China’s variables is

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21

DOMBROVSKA, Olena, and Andriy BUTOV. "DEVELOPMENT OF THE NATIONAL SYSTEM OF MORTGAGE LENDING FOR THE AGRICULTURAL SPHERE." Ukrainian Journal of Applied Economics 6, no. 3 (2021): 49–57. http://dx.doi.org/10.36887/2415-8453-2021-3-6.

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The article considers the problems of mortgage lending to agriculture on the basis of analysis of its current state and the creation of favorable legal and economic conditions for its development. Today there is a low profitability of agriculture and inefficient use of resource potential, as well as lack of long-term financial resources, so solving the problem of attracting long-term investment resources in agro-industrial production is largely associated with the development of mortgage lending in agriculture. The problem of land mortgage lending in Ukraine is the high risk of lending secured

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22

Korpaniuk, Tatiana. "Accounting of non-performing long-term bank loans in Ukraine." Banks and Bank Systems 12, no. 4 (2017): 121–30. http://dx.doi.org/10.21511/bbs.12(4-1).2017.01.

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The research paper outlines general problems of ensuring the continuity of the reproductive process in the Ukrainian economy with the help of long-term bank lending, and the problem of improving the accounting of non-performing long-term bank loans in the country was urged. The importance of solving this problem is conditioned by the significance of this group of loans in the loan portfolios of Ukrainian banks in terms of the current crisis economic situation in Ukraine. The objective of the research paper is to analyze the current state and trends in the methodology and practice of accounting

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23

Wrede, Matthias. "Lending by credit cooperatives, savings banks and other banks during the Covid-19 pandemic in Germany." Zeitschrift für das gesamte Genossenschaftswesen 71, no. 3 (2021): 192–209. http://dx.doi.org/10.1515/zfgg-2021-0012.

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Abstract We examine long-term lending in the course of the Covid-19 pandemic in Germany. We show that the pandemic is associated with increased lending by credit cooperatives and savings banks. The restrictions imposed by governments on social and economic life and the economic impact thereof, measured in terms of planned short-time work, show a significant correlation with the level of lending by all banks.

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24

Qasim, Rizwan, Irshad Ahmad, Amina Irshad, Farhat Imteyaz, and Abid Hussain. "An Econometric and Descriptive Analysis of Deposit, Call Money, and Lending Rates in India." South Asian Journal of Social Studies and Economics 22, no. 3 (2025): 110–14. https://doi.org/10.9734/sajsse/2025/v22i3974.

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Purpose: The study aimed to explore the causal relationships among the call money rate, the term deposit rate above five years, and the lending rate during the period from 1980 to 2020. Methodology: The empirical analysis employed the Augmented Dickey-Fuller (ADF) test to check stationarity, the Johansen cointegration test to identify long-term relationships, and the Granger causality test to investigate causal connections among the variables. Findings: The ADF test results indicated that all variables were integrated at order one. The Johansen cointegration test revealed the existence of long

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Uras, Burak R. "UNBUNDLING FINANCIAL IMPERFECTIONS: LENDING FRICTIONS VS. TRADING FRICTIONS." Macroeconomic Dynamics 23, no. 4 (2017): 1401–41. http://dx.doi.org/10.1017/s136510051700027x.

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Two essential imperfections determine the degree of the financial sector development in an economy: lending frictions, which constrain the ability to extend loans to borrowers; and, trading frictions, which constrain the trading of these loans in secondary markets. I develop a dynamic general equilibrium model where long-term investment is the engine of growth to study macroeconomic consequences of financial development. In the model, long-term loans are extended to entrepreneurs in a primary market and then traded in a secondary market among financiers. In competitive equilibria, reductions i

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26

Uma, Gurav, and Kotrappa S. "Lbl - Lstm : Log Bilinear And Long Short Term Memory Based Efficient Stock Forecasting Model Considering External Fluctuating Factor." International Journal of Engineering and Advanced Technology (IJEAT) 9, no. 4 (2020): 2057–63. https://doi.org/10.35940/ijeat.D8680.049420.

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Stock market prediction problem is considered to be NP-hard problem because of highly volatile nature of stock market. In this paper, effort has been made to design efficient stock forecasting model using log Bilinear and long short term memory (LBL-LSTM) considering external fluctuating factor such as varying Bank's lending rates. The external factor bank's lending rates affects stock market performance ,as it plays vital role for the purchase of stocks in case of financial crisis faced by various business enterprises. Proposed LBL-LSTM based model shows performance improvement over e

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27

K. C., Uzah, Clinton A.M., and Kpagih L. "Interest Rate Channel of Monetary Policy Transmission Mechanism and Commercial Banks Earnings in Nigeria." African Journal of Accounting and Financial Research 4, no. 3 (2021): 194–214. http://dx.doi.org/10.52589/ajafr-hgh92rha.

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This study examined the interest rates channel of the monetary policy transmission mechanism and the earnings of commercial banks in Nigeria. The objective was to investigate the extent to which the interest rates channel of the monetary policy transmission mechanism affects the earnings capacity of the quoted commercial banks. Time series data were sourced from annual financial reports of the commercial banks and the Central Bank of Nigeria statistical bulletin’s various issues. Earnings measures such as earnings per share and earnings before interest and tax were modeled as the function of M

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Iqbal, Muhammad, Arianto Muditomo, and Alindha Farezha. "The Existence of Islamic Fintech in Encouraging National Economic Growth." Jurnal Ilmiah Ekonomi Islam 8, no. 3 (2022): 3145. http://dx.doi.org/10.29040/jiei.v8i3.5679.

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This article aims to identify the role of Islamic fintech (peer-to-peer lending) in influencing Indonesia's economic growth. Economic growth is proxied by the growth rate of gross domestic product (GDP), while sharia fintech assets are used as indicators of peer-to-peer (P2P) lending based on sharia information technology. The relationship between the short-term and long-term effects of Islamic fintech P2P lending and economic growth was measured using the vector error correction model (VECM) method. The results of the analysis of the VECM results show that in the long term, every 1 billion in

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Zaman, Gheorghe, and George Georgescu. "Challenges of Bank Lending in Romaniaon Short, Medium and Long-term." Procedia Economics and Finance 22 (2015): 88–94. http://dx.doi.org/10.1016/s2212-5671(15)00230-0.

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KALECKI, M., and E. F. SCHUMACHER. "NEW PLANS FOR INTERNATIONAL TRADE: INTERNATIONAL CLEARING AND LONG-TERM LENDING." Bulletin of the Oxford University Institute of Economics & Statistics 5, S5 (2009): 29–32. http://dx.doi.org/10.1111/j.1468-0084.1943.mp5s05003.x.

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31

Shuliuk, Bohdana, Nataliya Kolomyychuk, and Olena Petrushka. "LONG-TERM LENDING FOR PUBLIC-PRIVATE PARTNERSHIP PROJECTS: OPPORTUNITIES AND PROSPECTS." Financial and credit activity problems of theory and practice 2, no. 55 (2024): 64–74. http://dx.doi.org/10.55643/fcaptp.2.55.2024.4312.

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The article is devoted to the topical issues of long-term lending to public-private partnership projects in the context of a permanent shortage of budget funds and the financial instability of business entities. The purpose of the study is to highlight the problems of attracting long-term credit resources by partners in the process of implementing joint projects and to outline areas for their solution. To achieve this goal, general scientific research methods and analytical data from the State Statistics Service of Ukraine and the National Bank of Ukraine were used.The article reveals the main

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N.J, Johnson, and Deepa Paul. "LENDING DYNAMICS OF PACS IN KERALA: A COMPREHENSIVE STUDY OF AGRICULTURAL AND NON-AGRICULTURAL LOANS." International Journal of Advanced Research 12, no. 05 (2024): 550–64. http://dx.doi.org/10.21474/ijar01/18749.

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Primary Agricultural Credit Societies (PACS) play a pivotal role in providing financial support to the agricultural sector and rural communities. This study analyses the lending activities of PACS in Kerala from 2007-08 to 2021-22, focusing on the shift from agricultural to non-agricultural lending. Utilising secondary data from the Department of Cooperation and the Kerala State Planning Board, the research examined the trends and patterns in short-term, medium-term, and long-term loans for both agricultural and non-agricultural purposes. The findings reveal a significant increase in non-agric

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N.I, Xamidov. "Loan Mechanisms For Small Businesses." American Journal of Interdisciplinary Innovations and Research 03, no. 05 (2021): 185–91. http://dx.doi.org/10.37547/tajiir/volume03issue05-30.

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The article examines the development of scientific and practical proposals for the mechanism of lending to small businesses by commercial banks, thereby increasing the financial stability of banks, creating opportunities for long-term lending to customers, lending to small businesses by banks and increasing entrepreneurship. The authors have developed their own approach to this problem on the basis of the literary sources of foreign and domestic scholars. In addition, the article presents relevant proposals and recommendations.

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Wang, Bin, Zhonghui Ding, Xiang Wang, and Kai Shi. "Crosscorrelation Analysis between P2P Lending Market and Stock Market in China." Mathematical Problems in Engineering 2020 (June 24, 2020): 1–9. http://dx.doi.org/10.1155/2020/7134172.

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We first use the Hurst index and the Vn statistic to study the respective characteristics of the P2P lending market and the stock market by rescaled range analysis. In terms of fluctuations, there is an antipersistence in the P2P lending market and long-term persistence in the stock market. Then, we studied the crosscorrelation between the daily logarithmic return series of P2P lending market and stock market and found that the crosscorrelation was multifractal and antipersistent.

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Haas, Ralph De, and Neeltje Van Horen. "International Shock Transmission after the Lehman Brothers Collapse: Evidence from Syndicated Lending." American Economic Review 102, no. 3 (2012): 231–37. http://dx.doi.org/10.1257/aer.102.3.231.

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After Lehman Brothers filed for bankruptcy in September 2008, cross-border bank lending contracted sharply. To explain the severity and variation in this contraction, we analyze detailed data on cross-border syndicated lending by 75 banks to 59 countries. We find that banks which had to write down sub-prime assets, refinance large amounts of long-term debt, and which experienced sharp declines in their market-to-book ratio, transmitted these shocks across borders by curtailing their lending abroad. While shocked banks differentiated between countries in much the same way as less constrained ba

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36

Hasanah, Heni. "Interest Rate Pass-Through: Empirical Study Towards Monetary Policy Transmission Effectiveness in Indonesia." AFEBI Economic and Finance Review 2, no. 02 (2018): 14. http://dx.doi.org/10.47312/aefr.v2i02.92.

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<p><em>This research aims to measure the effectiveness of monetary policy transmission, especially through the interest rate channel. The analysis was conducted on the first stage of its transmission, namely Interest Rate Pass-through (IRPT). IRPT refers to condition in which retail interest rate (both deposit and lending rate) responds to changes in policy rate of central bank. IRPT was measured using Error Correction Model (ECM) for time series data in the period of January 2010 - December 2015. The results of this study indicated that degree of long term and short term IRPT is i

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Ramdhan, Nur’Asyiqin, Imbarine Bujang, and Amirul Afif Muhamat. "Exploring FinTech Lending: The Influence of Financing and Economic Factors on the Success of Peer-to-Peer (P2P) Funded Loans." Information Management and Business Review 15, no. 4(SI)I (2023): 529–35. http://dx.doi.org/10.22610/imbr.v15i4(si)i.3629.

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This research intends to integrate financing and economic factors into a unified model to explore their influence on P2P lending successful fundraising. An innovative framework of the ARDL method was utilized to explore the short and long-term effects of the factors model to allow the P2P lending players to make informed decisions and develop effective strategies for sustainable FinTech lending practices. Information asymmetry is a persistent concern, and the quality of information provided by both internal and external sources plays a crucial role in determining lender decisions. It aims to o

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Chapagai, R. K. "Overview of Finance companies in Nepal." Journal of Economics and Management 1, no. 1 (2013): 54–61. https://doi.org/10.5281/zenodo.14184990.

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This paper examines the wider aspect of finance companies over the period of Mid July 1990 to Mid Ap 2013. In Nepal, Finance Companies have been a more important source of long-term and short term funds (mainly debt) for industry than bank loans or other sources of debt. It has occupied third position market share on lending (8.3%) and deposit (7.1%) in 2012. Finance companies mostly invest on import-export financing. Though the total deposit and lending of finance companies to GDP ratio increased each year there needs to be improvement to collect deposit and productive lending to enhance the

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Putri Valentine, Sabilayana Sabilayana, Andria Zulfa, Lia Nazliana Nasution, and Dwita Sakuntala. "Minimum Wage, Inflation, Interest Rate and Household Consumption In Indonesia." International Journal Of Accounting, Management, And Economics Research 2, no. 1 (2024): 173–82. http://dx.doi.org/10.56696/ijamer.v2i1.35.

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This study aims to determine the effect of minimum wages, inflation, and lending rates on household consumption in Indonesia. The variables in this study are minimum wage, inflation, and lending rates as independent variables, while the household consumption variable is the dependent variable. The research period is from 1993-2023. The data analysis technique used is the Autoregressive Distributed Lag (ARDL) panel. The results of this study indicate that the province that is able to become a leading indicator for the stability of household consumption is North Sumatra. When viewed from the sho

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Yolande Mtsweni, Lindy, Philip Serumaga-Zake, and Jan Kruger. "The Case of Construction Industr An Evaluation of the Lending Model of Commercial Banks in South Africa: The Case of Construction Industry." Advances in Social Sciences Research Journal 7, no. 3 (2020): 403–15. http://dx.doi.org/10.14738/assrj.73.7018.

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The purpose of this study was to evaluate the commercial banks’ lending model for small businesses in South Africa. The multiple case study design and purposive sampling were used to select six small businesses from a bank’s database for the study. The qualitative data was categorised and analysed thematically. It was found that the lending criteria are based on the bank and client’s long-term relationship, client’s background, character, collateral, capital, capacity and affordability, that the lending model is helping to grow small businesses in the country. The commercial banks’ lending pol

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Oyetade, Damilola, Adefemi A. Obalade, and Paul-Francois Muzindutsi. "Changes in Basel Capital Requirements and Lending Ability of African Commercial Banks." Journal of Central Banking Theory and Practice 11, no. 3 (2022): 179–201. http://dx.doi.org/10.2478/jcbtp-2022-0029.

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Abstract This research examines the potential impact of Basel IV capital requirements (CAR) on bank lending ability in Africa. To achieve the objective, the study simulated Basel IV capital ratio using historical data to create sample representative banks as if the selected banks had implemented Basel IV CAR for the period 2000 and 2018 and used actual data for existing Basel II and III CAR. Dynamic panel regression analyses, namely the System GMM and P-ARDL, were utilised. First, our results suggest that higher Basel CAR, particularly the new Basel IV, portends short-term negative impacts on

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Chernenko, Olha, and Iryna Vdovenko. "Condition and problems of entrepreneurial subjects lending." EUREKA: Social and Humanities, no. 2 (April 5, 2021): 3–10. http://dx.doi.org/10.21303/2504-5571.2021.001731.

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Lending is a main instrument of bank institutions’ influence on the development of economy and its subjects. The aim of the paper is to analyze the condition of entrepreneurial subjects lending by the bank system, especially agrarian enterprises, and separation of main restraining factors of its development. During 2017-2020 there is observed an essential reduction of volumes of medium-term and long-term credits, given to entrepreneurial subjects. The use of short-term credits for less than 1 year, the most specific weight (80.5 %) of which is possessed by microentrepreneurial subjects with an

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Chernenko, Olha, and Iryna Vdovenko. "Condition and problems of entrepreneurial subjects lending." EUREKA: Social and Humanities, no. 2 (April 5, 2021): 3–10. https://doi.org/10.21303/2504-5571.2021.001731.

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Lending is a main instrument of bank institutions' influence on the development of economy and its subjects. The aim of the paper is to analyze the condition of entrepreneurial subjects lending by the bank system, especially agrarian enterprises, and separation of main restraining factors of its development. During 2017-2020 there is observed an essential reduction of volumes of medium-term and long-term credits, given to entrepreneurial subjects. The use of short-term credits for less than 1 year, the most specific weight (80.5 %) of which is possessed by microentrepreneurial subjects with an

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Shiyalini, Sathanantham, and Kanesh Suresh. "The impact of public debt on domestic and foreign direct investments in developing market: An ARDL bounds testing approach." Corporate Law and Governance Review 4, no. 1 (2022): 8–18. http://dx.doi.org/10.22495/clgrv4i1p1.

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This research investigates the effect of the components of state government debts (domestic and external debts) on the various forms of investment (domestic investment and foreign direct investment — FDI) in Sri Lanka both in the short and long terms applying the ARDL bounds testing approach over the period, 1980–2020. The previous research has revealed that higher internal and external government borrowing lowers domestic investments in both the short and long terms, confirming the crowding-out effect of public debt on the volume of domestic investment of our country. The research discovered

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Dyudina, Olga V., Daria A. Igoshina, and Zaliya Z. Kamalieva. "DEVELOPMENT OF LENDING TO SMALL AND MEDIUM-SIZED BUSINESSES USING THE EXAMPLE OF SBERBANK PJSC." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 4/4, no. 157 (2025): 128–35. https://doi.org/10.36871/ek.up.p.r.2025.04.04.018.

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This article examines a study of the development of lending to small and medium-sized businesses using the example of Sberbank PJSC. It analyzes various types of credit products provided by Sberbank for entrepreneurs, including short- and long-term loans, credit lines and specialized programs. It describes the terms of lending, loan rates, and the process of obtaining a loan, which includes applying, assessing creditworthiness, making a decision, and disbursing funds. It also examines the existing problems and limitations faced by small and medium-sized enterprises in obtaining financing, as w

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Singh, Dr Jeet, and Dr. Preeti Yadav. "Indian Capital Market: Recent Reforms and Initiatives." Business Vision 5, no. 5 (2009): 115–32. https://doi.org/10.5281/zenodo.14948781.

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The Indian Capital Market today presents a vastly different picture from what it was a decade ago with lot of checks and balances in place, ensuring transparency in dealing and protection of the interests of the investors. Capital market is one of the most segments of the Indian financial system. It is the market available to the companies for meeting their requirements of the long term funds. It refers to all the facilities and the institutional arrangements for borrowing and lending funds. In other words, we can say that capital market is concerned with the raising of money capital for purpo

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Barkham, Richard, and Malcolm Frodsham. "Simulating the cyclically adjusted returns to UK property lending." Journal of Property Investment & Finance 33, no. 1 (2015): 66–80. http://dx.doi.org/10.1108/jpif-06-2014-0045.

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Purpose – The purpose of this paper is to provide an indication of the returns to commercial property lending over the last 30 years in the UK. Design/methodology/approach – There is no long-term index of the returns to commercial property lending in the UK. This paper provides a partial solution by simulating the performance of bullet loans of various vintages, based on the value movements of the IPD index. Findings – On average over the long-term debt returns are higher than equity returns. However, in certain periods, the losses incurred by real estate lenders are very large. Research limit

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Donetskova, O. Yu. "STATE OF INVESTMENT CREDIT AS A BASIS FOR THE DEVELOPMENT OF THE REAL ECONOMY IN RUSSIA." Intelligence. Innovations. Investment, no. 1 (2021): 10–21. http://dx.doi.org/10.25198/2077-7175-2021-1-10.

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The role of Bank lending, including investment lending, is of great importance in the economy, especially in times of turbulence and the negative impact of the coronavirus pandemic. Urgent problems of banks are the lack of long-term resources, unbalanced terms and amounts of resources and loans of the Bank, violation of credit boundaries, high credit risks, lack of high-quality investment projects. The purpose of the article is to determine the current state of investment credit as a tool for developing the country’s economy. The current trend of investment activity of banks is determined by t

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Bravo Orellana, Sergio. "Determinants of Short- and Long-Term Commercial Lending Rates in Peru, 2010–2022." Organizations and Markets in Emerging Economies 14, no. 3 (2023): 743–62. http://dx.doi.org/10.15388/omee.2023.14.13.

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Short- and long-term interest rates are crucial for investment and, thus, business dynamism. The injection of money depends on the ability to promote cash flows through credit which boosts productive sectors. In the last decade, among Latin American countries, Peru has stood out for its key financial system and macroeconomic stability characteristics. The Central Reserve Bank of Peru (BCRP) plays a key role in setting the reference rate given its autonomy and strong institutional trust. However, the mixed pension system injects liquidity into the financial system through its private contributi

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Retap, Tury, Firdaus Abdullah, and Jamil Hamali. "Banks’ Lending Relationship Quality Index (LRQI) for the Small and Medium-Sized Enterprises: A Review." INTERNATIONAL JOURNAL OF INNOVATION AND ECONOMIC DEVELOPMENT 4, no. 3 (2018): 32–40. http://dx.doi.org/10.18775/ijied.1849-7551-7020.2015.43.2004.

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Stiff competition in the service industry like banking sector has forced banks to search for the best approach to create, attract and retain a segment of satisfied customers. Relationship marketing is a comprehensive strategy used by many service providers to maintain an on-going long-term relationship with their existing customers. A proper implementation of relationship marketing activities is evident from good relationship quality built between the customer and the service provider. Due to the above needs, development of a new measuring instrument (Lending Relationship Quality Index (LRQI)

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