Log in

Relevant bibliographies by topics / Problem credit / Journal articles

To see the other types of publications on this topic, follow the link: Problem credit.

Journal articles on the topic 'Problem credit'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles

Select a source type:

Consult the top 50 journal articles for your research on the topic 'Problem credit.'

Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.

You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.

Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.

1

Sokolovska, Olena. "Trade Credit Insurance and Asymmetric Information Problem." Scientific Annals of Economics and Business 64, no. 1 (2017): 123–37. http://dx.doi.org/10.1515/saeb-2017-0008.

Full text

Abstract:

Abstract The presence of different risk factors in international trade gives evidence of the necessity of support in gaps that may affect exporters’ activity. To maximize the trade volumes and in the same time to minimize the exporters’ risks the stakeholders use trade credit insurance. The paper provides analysis of conceptual background of the trade credit insurance in the world. We analyzed briefly the problems, arising in insurance markets due to asymmetric information, such as adverse selection and moral hazard. Also we discuss the main stages of development of trade credit insurance in c

APA, Harvard, Vancouver, ISO, and other styles

2

Sokolovska, Olena. "Trade Credit Insurance and Asymmetric Information Problem." Annals of the Alexandru Ioan Cuza University - Economics 64, no. 1 (2017): 123–37. http://dx.doi.org/10.1515/aicue-2017-0008.

Full text

Abstract:

Abstract The presence of different risk factors in international trade gives evidence of the necessity of support in gaps that may affect exporters’ activity. To maximize the trade volumes and in the same time to minimize the exporters’ risks the stakeholders use trade credit insurance. The paper provides analysis of conceptual background of the trade credit insurance in the world. We analyzed briefly the problems, arising in insurance markets due to asymmetric information, such as adverse selection and moral hazard. Also we discuss the main stages of development of trade credit insurance in c

APA, Harvard, Vancouver, ISO, and other styles

3

Liao, Zhanzhi, Jian Wang, Yuanyuan Li, and Xiaowei Hu. "Managing the Morning Commute Problem with Tradable Credit Schemes under a Fully Autonomous Vehicle Environment." Systems 10, no. 6 (2022): 200. http://dx.doi.org/10.3390/systems10060200.

Full text

Abstract:

This study investigates the morning commute problem in a single corridor with a bottleneck under a fully automated vehicle environment. By extending Vickrey’s bottleneck model, we formulate the joint decisions on departure time and parking choices of morning commuters who make trade-offs among travel cost, the cost associated with parking, and the cost of tradable credits. To alleviate traffic congestion and improve social welfare, we propose a time-varying tradable credit scheme and integrate it with the morning commute problem. We explore the travel patterns and the optimal design of tradabl

APA, Harvard, Vancouver, ISO, and other styles

4

Liang, Qingnan, Agachai Sumalee, and Renxin Zhong. "Traffic Equilibrium Problems with Cross-Boundary Traffic: A Tradable Credit Approach." Security and Communication Networks 2022 (June 14, 2022): 1–12. http://dx.doi.org/10.1155/2022/2431019.

Full text

Abstract:

This study studies the tradable credit scheme design problem considering a mixture of local traffic and cross-boundary traffic. The local traffic refers to the travel demand generated by local residents with O-D pairs inside the network, while the cross-boundary traffic is the traffic with either origin or destination or both be outside the network. As the local authority aims to maximize its local social welfare, it determines the quantity of cross-boundary trips by evaluating the revenue of the cross-boundary traffic. Two credit charging schemes are investigated, i.e., a spatially differenti

APA, Harvard, Vancouver, ISO, and other styles

5

KASEREKA LUHEMBO, Bonheur. "Problem of access to financing by farmers' organizations in North Kivu." Cahiers du cedimes 19, no. 3 (2024): 102–16. https://doi.org/10.69611/cahiers19-3-08.

Full text

Abstract:

The food insecurity and poverty are challenges for the national community and international. To cope with it, certain rural organizations as well national as international contribute to make access of the small farmers at adequate financial services. Thus this study analyzes the operation of the system the agricultural credit or rural and examines the factors which explain the weaknesses and forces related to the financing of the farmings for the progress of agriculture in territory of Lubero. The results of the study revealed a operationnalisation of the agricultural credit in territory of Lu

APA, Harvard, Vancouver, ISO, and other styles

6

Rodgers. "Ayn Rand's Credit Problem." Journal of Ayn Rand Studies 19, no. 1 (2019): 38. http://dx.doi.org/10.5325/jaynrandstud.19.1.0038.

Full text

APA, Harvard, Vancouver, ISO, and other styles

7

Turnip, Anju Chornelus, and Richardus F. Talubun. "KEDUDUKAN HUKUM SURAT KEPUTUSAN KEPEGAWAIAN PEGAWAI NEGERI SIPIL SEBAGAI JAMINAN KREDIT." LAJOUR (LAW JOURNAL) 3, no. 1 (2022): 35–42. http://dx.doi.org/10.32767/lajour.v3i1.176.

Full text

Abstract:

Bank financial institutions have a role in developing the economic system. Banks have a role as distributors and collect funds from the public. The collection process involves receiving funds from the public in the form of savings. Meanwhile, in the process of distributing funds, banks provide credit to the public in the form of loans or credits. In providing credit, banks generally provide additional charges in the form of collateral. Guarantees are intended to provide certainty regarding the debtor's ability to pay off debts, which are also intended to avoid the risk of bad credit. In

APA, Harvard, Vancouver, ISO, and other styles

8

Huang, Huijun, and Yuzhong Li. "Optimization of a Rural Portfolio Credit Granting System Using Improved Two-Dimensional Strip Packing Grouping Delay Problem." Systems 10, no. 5 (2022): 193. http://dx.doi.org/10.3390/systems10050193.

Full text

Abstract:

Rural preferential loans usually take the form of portfolio credits. From the perspective of public interest, the total delay time for obtaining loans is expected to be minimized. To use rural portfolio credits effectively, the two-dimensional strip packing grouping delay problem (2SPGDP) is improved to optimize the rural portfolio credit granting system. First, 2SPGDP is established by adding grouping constraints and the latest start time constraints to the two-dimensional strip packing problem, and the total delay is taken as the optimization objective. Second, based on the depth search reve

APA, Harvard, Vancouver, ISO, and other styles

9

Spilleir, Davi de Pinho, Orandi Mina Falsarella, and Celeste Aída Sirotheau Corrêa Jannuzzi. "A propositive contribution to the mitigation of the credit problem on Brazilian solidarity economy enterprises." International Journal for Innovation Education and Research 9, no. 3 (2021): 202–18. http://dx.doi.org/10.31686/ijier.vol9.iss3.2990.

Full text

Abstract:

The biggest impediment to the viability of Solidarity Economy Enterprises (SEE) is the credit issue, which due to lack of guarantees means that they cannot access credit through traditional banking channels and end up failing. In view of this unfavorable scenario, the objective of this work is to make a propositive contribution, evidencing elements that are useful to enterprises of solidarity economy in relation to obtaining credit. To do so, it relied on bibliographic research to link these factors, highlighting those that can be controlled by the SEE, as well as those external so that the cr

APA, Harvard, Vancouver, ISO, and other styles

10

Zhou, Rui Jin, Qiang Fang, Wei Li, and Gai Xing Wang. "Credit Problem in E-Commerce." Advanced Materials Research 204-210 (February 2011): 201–4. http://dx.doi.org/10.4028/www.scientific.net/amr.204-210.201.

Full text

Abstract:

As an advanced trade mode, E-commerce is widely be used in various fields of national economy. The status of E-commerce has been analyzed by the paper and some restrictive factors have been proposed what about credit problem in E-commerce. In order to solve these restrictive factors, some concrete countermeasures have been proposed based on seriously analyzing the restrictive factors. It is hoped to provide some reference to the development of E-commerce.

APA, Harvard, Vancouver, ISO, and other styles

11

DOBBIE, WILL, PAUL GOLDSMITH‐PINKHAM, NEALE MAHONEY, and JAE SONG. "Bad Credit, No Problem? Credit and Labor Market Consequences of Bad Credit Reports." Journal of Finance 75, no. 5 (2020): 2377–419. http://dx.doi.org/10.1111/jofi.12954.

Full text

APA, Harvard, Vancouver, ISO, and other styles

12

Zhang, Fang, Jian Lu, Xiaojian Hu, and Tenghui Liu. "Investigating the Impacts of Transaction Cost under a Tradable Credit Scheme with Heterogenous Users." Mathematical Problems in Engineering 2021 (February 16, 2021): 1–17. http://dx.doi.org/10.1155/2021/6624300.

Full text

Abstract:

In this paper, the impacts of transaction cost are investigated under a tradable credit scheme (TCS) considering user heterogeneity. Under the credit scheme, a certain number of credits are initially distributed among all the travelers for a specific O-D pair, and a link-specific number of credits are charged from travelers using that link. The scheme allows for free trading of the credits among travelers, and both the sellers and buyers need to pay an extra transaction cost, which is associated with trading volume. Travelers in the network are assumed to be heterogenous with a discrete value

APA, Harvard, Vancouver, ISO, and other styles

13

Jiang, Jianhua, Xianqiu Meng, Yang Liu, and Huan Wang. "An Enhanced TSA-MLP Model for Identifying Credit Default Problems." SAGE Open 12, no. 2 (2022): 215824402210945. http://dx.doi.org/10.1177/21582440221094586.

Full text

Abstract:

Credit default has always been one of the critical factors in the development of personal credit business. By establishing a default identification model, default can be avoided effectively. There are some existing methods to identify credit default. However, these methods have some problems: Problem (1): It is different to deal the non-linear data, Problem (2): The local stagnation results in the high error rate, and Problem (3): The premature convergence leads to the low classification rate. In this paper, the sinhTSA-MLP default risk identification model is proposed to solve these problems.

APA, Harvard, Vancouver, ISO, and other styles

14

Liu, Zhishuo, Tian Fang, Yao Dongxin, and Nianci Kou. "Transaction credit in the unstructured crowd transaction network." International Journal of Crowd Science 3, no. 3 (2019): 267–83. http://dx.doi.org/10.1108/ijcs-07-2019-0018.

Full text

Abstract:

Purpose Current models of transaction credit in the e-commerce network face many problems, such as the one-sided measurement, low accuracy and insufficient anti-aggression solutions. This paper aims to address these problems by studying the transaction credit problem in the crowd transaction network. Design/methodology/approach This study divides the transaction credit into two parts, direct transaction credit and recommended transaction credit, and it proposes a model based on the crowd transaction network. The direct transaction credit comprehensively includes various factors influencing the

APA, Harvard, Vancouver, ISO, and other styles

15

Von Pischke. "The exit problem in credit projects." Small Enterprise Development 3, no. 4 (1992): 25–33. http://dx.doi.org/10.3362/0957-1329.1992.037.

Full text

APA, Harvard, Vancouver, ISO, and other styles

16

Ditrich, Josef. "Data representativeness problem in credit scoring." Acta Oeconomica Pragensia 23, no. 3 (2015): 3–17. http://dx.doi.org/10.18267/j.aop.472.

Full text

APA, Harvard, Vancouver, ISO, and other styles

17

Perkasa, Ripho Delzhy, Aulia Rahmah, and Ramandha Zidane. "Analysis of Bad Credit Problems in the Savings and Loans Cooperative Unit of SMK Negeri 9 Medan." Holistic Science 4, no. 2 (2024): 256–59. https://doi.org/10.56495/hs.v4i2.626.

Full text

Abstract:

This article aims to find out the problem of bad credit at the cooperative savings and loan unit of Smk Negeri 9 Medan. This research was conducted using survey, interview and observation techniques regarding the problem of bad credit at the SMK Negeri 9 Medan cooperative. The results obtained stated that the savings and loan unit at the Smk Negeri 9 Medan cooperative experienced bad credit problems. The problems experienced by the Smk Negeri 9 Medan cooperative savings and loan unit were caused by members being late in making payments every month. The payment was late because the salaries of

APA, Harvard, Vancouver, ISO, and other styles

18

Панова and T. Panova. "Determination of Credit Border – Basis of Credit Risk Management of Consumer Credit." Economics of the Firm 4, no. 3 (2015): 44–48. http://dx.doi.org/10.12737/17595.

Full text

Abstract:

The article discusses the problem of determining the boundaries of credit and credit risk management. Defining the boundaries of reasonable use of credit and compliance is of great importance for the economy as a whole. Only with an optimal level of credit investments of credit impact on the economy can be positive.

APA, Harvard, Vancouver, ISO, and other styles

19

Nurwahjuni, Nurwahjuni, and Abd Shomad. "FOUR EYES PRINCIPLE DALAM PENGELOLAAN RISIKO KREDIT PADA BANK." Yuridika 31, no. 2 (2017): 273. http://dx.doi.org/10.20473/ydk.v31i2.4844.

Full text

Abstract:

In order to implement the four eyes principle in the provision of bank credit there should be a separation of functions between the analysis, approval, and credit administration. The separation of functions is done in order to secure the credits begin the loan process until the credits were disbursed, even banks should separate settlement function of problem loans with a function that decides lending. This is done in order to avoid any conflict of interest between a bank and its clients' interests debtors. Due to the four eyes principle applied in lending may cause a credit crunch. Problem loa

APA, Harvard, Vancouver, ISO, and other styles

20

Wulandari, Miladianur, and Siti Mahmudah. "Resolving Bad Credit for Blacklisted MSMEs at PT Bank Rakyat Indonesia Gondosari Kudus Unit." AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam 6, no. 1 (2024): 39–50. http://dx.doi.org/10.37680/almanhaj.v6i1.4869.

Full text

Abstract:

Many credit capital is used as a way to develop a business or start a business. However, there are quite a few that can save credit from various problems. So there needs to be a solutionconcrete way to overcome the problem of blacklisted bad credit. The main problem of this research is about the policy of the Bank Rakyat Indonesia Gondosari Kudus Unit in resolving bad credit for blacklisted MSMEs and how to implement the policy for resolving bad credit for blacklisted MSMEs. This research uses empirical juridical methods. This study aims to determinepImplementation of policies for resolving ba

APA, Harvard, Vancouver, ISO, and other styles

21

Schmidt, Mary Ellen. "A Credit-Union Project." Mathematics Teaching in the Middle School 3, no. 2 (1997): 118–23. http://dx.doi.org/10.5951/mtms.3.2.0118.

Full text

Abstract:

I forgot my lunch money!” “I need a folder for math class today!” “Can I phone home and ask if I can stay after school to see the basketball game?” These types of authentic problems present opportunities to engage middle-grades students in meaningful mathematics. By establishing a classroom credit union, students can develop independence in solving real problems and model solutions used in the real world to solve similar problem. A classroom credit union also promotes the type of mathematics espoused in the Curriculum and Evaluation Standards for School Mathematics (NCTM 1989) because it—engag

APA, Harvard, Vancouver, ISO, and other styles

22

Gorda, A. A. N. Oka Suryadinatha, Ni Kadek Mellynia Cahya Ningsih, and I. Made Mai Noval. "Menakar Kesiapan Lembaga Perkreditan Desa (LPD) Jimbaran Dalam Merespon Kebijakan Relaksasi Kredit." JIMAT (Jurnal Ilmiah Mahasiswa Akuntansi) Undiksha 14, no. 01 (2023): 32–37. http://dx.doi.org/10.23887/jimat.v14i01.51560.

Full text

Abstract:

Abstract During the Covid-19 pandemic, there were many problems that occurred, one of which was credit problems. With this problem, the government takes steps to help the community, namely the government issued a credit relaxation policy. This credit relaxation is a loan of credit requirements, both financial and non-financial requirements to provide convenience to bank customers. The purpose of this study is to measure the readiness of the Jimbaran LPD in responding to credit relaxation policies. In this study using qualitative and quantitative types of data, using data collection techniques

APA, Harvard, Vancouver, ISO, and other styles

23

Rao, K. Aditya, and Dr Ganesh D. "Survey Paper on Credit card Fraud Detection System." International Journal for Research in Applied Science and Engineering Technology 10, no. 4 (2022): 1361–67. http://dx.doi.org/10.22214/ijraset.2022.41524.

Full text

Abstract:

Abstract: Credit card fraud detection is presently the most frequently occurring problem in the present world. This is due to the rise in both online transactions and e-commerce platforms. Credit card fraud generally happens when the card was stolen for any of the unauthorized purposes or even when the fraudster uses the credit card information for his use. In the present world, we are facing a lot of credit card problems. To detect the fraudulent activities the credit card fraud detection system was introduced.

APA, Harvard, Vancouver, ISO, and other styles

24

Widyati, I. Wayan Sastrawan, Ida Ayu Putu, Ida Ayu Putu Widyati, and Ni Made Puspasutari Ujianti. "Peranan Lembaga Pemberdayaan Lembaga Perkreditan Desa (LPLPD) dalam Penyelesaian Kredit Macet." Jurnal Preferensi Hukum 1, no. 2 (2020): 169–74. http://dx.doi.org/10.22225/jph.1.2.2355.169-174.

Full text

Abstract:

The community in Bali is greatly aided by the credit facilities with the existence of the Village Credit Institution (LPD). The institution is the lifeblood of the village’s economy. Looking through the importance of the LPD’s function, it is necessary to have a special institution having the power of empowering the LPD, so the Village Credit Institution Empowering Agency (LPLPD) is established. This study examines the role of the LPLPD in settling bad credit as well as the procedures for settling the bad credit at the LPD. This issue is examined by the normative legal research method. In empo

APA, Harvard, Vancouver, ISO, and other styles

25

Eremkin, V. A. "Affordable Credit Resources to Implement Investment Projects in Industry of Russia." Vestnik of the Plekhanov Russian University of Economics 17, no. 4 (2020): 24–35. http://dx.doi.org/10.21686/2413-2829-2020-4-24-35.

Full text

Abstract:

Raising loan finance by industrial enterprises for the development of their investment projects is an important factor for economic growth in Russia. Due to this the problem of credit resource affordability for Russian business becomes more and more topical. The article analyzes possibilities of credit affordability regulation for industrial enterprises by tools of monetary policy of the Central Bank of the Russian Federation. The author aims at indentifying the current problems of the credit system for industrial enterprises and finding the key lines in its improvement. Within the frames of t

APA, Harvard, Vancouver, ISO, and other styles

26

Zhang, Hang, and Qingbao Liu. "Online Learning Method for Drift and Imbalance Problem in Client Credit Assessment." Symmetry 11, no. 7 (2019): 890. http://dx.doi.org/10.3390/sym11070890.

Full text

Abstract:

Machine learning algorithms have been widely used in the field of client credit assessment. However, few of the algorithms have focused on and solved the problems of concept drift and class imbalance. Due to changes in the macroeconomic environment and markets, the relationship between client characteristics and credit assessment results may change over time, causing concept drift in client credit assessments. Moreover, client credit assessment data are naturally asymmetric and class imbalanced because of the screening of clients. Aiming at solving the joint research issue of concept drift and

APA, Harvard, Vancouver, ISO, and other styles

27

Indriani, Nisa, Achmad Hasan Hafidzi, Ira Puspitadewi, and Samsuryaningrum Samsuryaningrum. "Penerapan Manajemen Kredit dalam Upaya Meminimalkan Kredit Bermasalah pada PT. BPR Ambulu Dhanaartha Kabupaten Jember." BUDGETING : Journal of Business, Management and Accounting 5, no. 1 (2023): 301–11. http://dx.doi.org/10.31539/budgeting.v5i1.6805.

Full text

Abstract:

The research was conducted with the aim of knowing the implementation of credit management in minimizing non-performing loans at PT. BPR Ambulu Dhanaatha and find out the various factors that cause problem loans. This research method uses descriptive qualitative methods, data collection techniques using observation, interviews and documentation. From this research, the results obtained (1) PT. BPR Ambulu Dhanaartha implements credit management starting from the planning, organizing, implementing and supervising stages, (2) various factors causing problem loans including a) The account officer

APA, Harvard, Vancouver, ISO, and other styles

28

Xue, Wuxia. "Application of Multiobjective Particle Swarm Optimization in Rural Credit System." Journal of Sensors 2021 (December 23, 2021): 1–9. http://dx.doi.org/10.1155/2021/3468479.

Full text

Abstract:

In China’s rural credit system, the problem of credit constraints is prominent. Due to the imperfect credit market, a large number of rural residents have credit constraints. Rural credit constraint is a serious problem restricting China’s rural economic development. Aimed at solving the rural credit constraints, this paper makes an optimization analysis on the rural credit system and loan decision-making. To more reasonably evaluate customers’ borrowing ability, the credit risk based on farmers’ data on the big data platform is evaluated in this paper. The stacked denoising autoencoder networ

APA, Harvard, Vancouver, ISO, and other styles

29

Wang, Kui, Jie Wan, Gang Li, and Hao Sun. "A Hybrid Algorithm-Level Ensemble Model for Imbalanced Credit Default Prediction in the Energy Industry." Energies 15, no. 14 (2022): 5206. http://dx.doi.org/10.3390/en15145206.

Full text

Abstract:

Credit default prediction for the energy industry is essential to promoting the healthy development of the energy industry in China. While previous studies have constructed various credit default prediction models with brilliant performance, the class-imbalance problem in the credit default dataset cannot be ignored, where the numbers of credit default cases are usually much smaller than the number of non-default ones. To address the class-imbalance problem, we proposed a novel CT-XGBoost model, which adds to XGBoost with two algorithm-level methods for class imbalance, including the cost-sens

APA, Harvard, Vancouver, ISO, and other styles

30

Glavić, Draženko, Marina Milenkovic, and Ratko Pavlović. "Mobility management using mobility credit models." Put i saobraćaj 66, no. 4 (2020): 41–50. http://dx.doi.org/10.31075/pis.66.04.05.

Full text

Abstract:

Traffic congestion is one of the biggest global problems worldwide, for which appropriate solution has not been found yet. Bearing that in mind, the paper presents a new approach for solving traffic congestion through "Mobility credits" model. This model is an alternative to congestion pricing - a concept that successfully solves the problem of traffic congestion, but which is not socially and politically acceptable due to the additional costs of users. The "mobility credits" model has not been applied in practice yet, but it is the subject of numerous analyzes, in order to determine the effic

APA, Harvard, Vancouver, ISO, and other styles

31

Susanto, Sunarta. "Ordinary Credit Units, Benefit with Salary Scale, and Projecting Credit Units." Operations Research: International Conference Series 1, no. 3 (2020): 96–99. http://dx.doi.org/10.47194/orics.v1i3.147.

Full text

Abstract:

In determining the benefits of a pension fund, proper calculations are needed so as not to provide a pension that is too small or too large for someone. The importance of discussing the problems in pension funds is to understand the various problems that exist in determining pension funds. The purpose of making the solution to the selected questions is because the author feels that a discussion about these questions is needed. The problems that exist are sought to be solved using the Traditional Unit Credit (TUC) method and the Projected Unit Credit (PUC) method. The result obtained from the p

APA, Harvard, Vancouver, ISO, and other styles

32

Ticona Aguilar, Pablo. "La calidad de la cartera de créditos y su incidencia en la solvencia financiera de las Cooperativas de Ahorro y Crédito de la región Puno, 2012-2014." Semestre Económico 6, no. 2 (2017): 125–52. http://dx.doi.org/10.26867/se.2017.v06i2.69.

Full text

Abstract:

The purpose of this study was to determine the factors that have an effect on the deterioration of the quality of the credits portfolio and to estimate the incidence of the quality of the credit portfolio in the financial solvency of the savings and credit cooperatives of the Puno region, period 2012 - 2014; the problem that credit and savings cooperatives are facing is the high delinquency of more than 10%, which affects the quality of the credit portfolio and puts financial solvency in risk. For the achievement of the proposed objectives, the non-experimental research design, descriptive and

APA, Harvard, Vancouver, ISO, and other styles

33

Simonenko, Nikolay N., and Irina Ye Ivanova. "CREDIT RISKS ARE A STATE LEVEL PROBLEM." Scholarly Notes of Komsomolsk-na-Amure State Technical University 2, no. 1 (2010): 114–16. http://dx.doi.org/10.17084/2010.i-2(1).25.

Full text

APA, Harvard, Vancouver, ISO, and other styles

34

Richards, Blake A., and Timothy P. Lillicrap. "Dendritic solutions to the credit assignment problem." Current Opinion in Neurobiology 54 (February 2019): 28–36. http://dx.doi.org/10.1016/j.conb.2018.08.003.

Full text

APA, Harvard, Vancouver, ISO, and other styles

35

Misral, Misral, and Sri Rahmayanti. "Dampak Covid 19 terhadap Kredit Bermasalah Pada Program Relaksasi Kredit PT. BRI KC Tuanku Tambusai." Jurnal Akuntansi dan Ekonomika 12, no. 1 (2022): 114–23. http://dx.doi.org/10.37859/jae.v12i1.3513.

Full text

Abstract:

Research aims to understand the factors that cause credit problems and efforts to overcome the credit so that it runs safely on the relaxation of PT Bank Rakyat Indonesia Tuanku Tambusai credit. Data comes from primary data, namely efforts to solve non-performing loans and secondary data, namely the number of admins of credit sections, books, articles, websites, research results related to the problem studied. Researchers collect data with interviews, observations and documentation. The findings in the study that the settlement of non-performing loans by negotiating with the extension of the c

APA, Harvard, Vancouver, ISO, and other styles

36

Kovalenko, Dmytro, Olga Afanasieva, Nani Zabuta, Tetiana Boiko, and Rosen Rosenov Baltov. "Model of Assessing the Overdue Debts in a Commercial Bank Using Neuro-Fuzzy Technologies." Journal of Risk and Financial Management 14, no. 5 (2021): 216. http://dx.doi.org/10.3390/jrfm14050216.

Full text

Abstract:

This article considers the problems of overdue credit debt and the creation of effective methods to manage problem debts in banks. The purpose of this paper is to study the problem of overdue credit debt and create effective methods to manage problem debts in financial institutions. Based on a combination of tools of fuzzy logic theory and artificial neural networks, an economic-mathematical model of collection scoring was built. Kohonen self-organizing maps were used to set the parameters of membership functions in the process of fuzzification of quantitative variables of the built model. Dat

APA, Harvard, Vancouver, ISO, and other styles

37

Mqadi, Nhlakanipho Michael, Nalindren Naicker, and Timothy Adeliyi. "Solving Misclassification of the Credit Card Imbalance Problem Using Near Miss." Mathematical Problems in Engineering 2021 (July 19, 2021): 1–16. http://dx.doi.org/10.1155/2021/7194728.

Full text

Abstract:

In ordinary credit card datasets, there are far fewer fraudulent transactions than ordinary transactions. In dealing with the credit card imbalance problem, the ideal solution must have low bias and low variance. The paper aims to provide an in-depth experimental investigation of the effect of using a hybrid data-point approach to resolve the class misclassification problem in imbalanced credit card datasets. The goal of the research was to use a novel technique to manage unbalanced datasets to improve the effectiveness of machine learning algorithms in detecting fraud or anomalous patterns in

APA, Harvard, Vancouver, ISO, and other styles

38

Muxammadiyevna, Ashurova Nasiba. "Improving students’ learning activities in the credit-module system as a pedagogical problem." International Journal of Pedagogics 5, no. 1 (2025): 118–20. https://doi.org/10.37547/ijp/volume05issue01-33.

Full text

Abstract:

This article is about how to improve students' learning activities in the credit-module system and a correct understanding of the interpretation of scientific concepts. This system has its own characteristics in all developed countries. The effectiveness and relevance of the credit education system is based on its wide distribution and good results in the educational systems.

APA, Harvard, Vancouver, ISO, and other styles

39

Waruwu, Fanny Miktami Lady Taxi, and Audita Nuvriasari. "Strategies for Handling Problem Loans at KSP CU Dharma Bakti Yogyakarta." Asian Journal of Community Services 3, no. 1 (2024): 69–76. http://dx.doi.org/10.55927/ajcs.v3i1.7509.

Full text

Abstract:

KSP CU Dharma Bakti as a saving and loans cooperative has a crucial role in supporting the community’s economy through providing financial services. The main challenge faced by KSP CU Dharma Bakti is effective credit management to prevent and handle problem loans. The objective of this community service to formulate the strategy for handling problem loans at this cooperative. The result of this program shows that the causes of bad credit at KSP CU Dharma Bakti are internal and external factors, such as lack of selectivity on granting credit and weak credit monitoring systems. The strategies to

APA, Harvard, Vancouver, ISO, and other styles

40

Orlova, E. V. "Mechanism and model of credit portfolio diversification." Issues of Risk Analysis 17, no. 1 (2020): 78–89. http://dx.doi.org/10.32686/1812-5220-2020-17-1-78-89.

Full text

Abstract:

Under conditions of demand for credit resources growing in Russian economy the importance of credit risks assessment and their influence on the credit organizations efficiency is increased. Empirical studies show that credit risks in the banking today are increasing nonlinearly relative to the main characteristics of the credit — the level of credit risk, credit terms, interest rate. Therefore, the formation of the most acceptable from the point of view of risk reducing of the bank’s credit portfolio is a scientifically based and practically important problem. The aim of the work is to justify

APA, Harvard, Vancouver, ISO, and other styles

41

Huang, Weilun. "Analysis on the Problems and Countermeasures of Accounts Receivable Management in Shanghai Weiming Food Company." Advances in Economics, Management and Political Sciences 14, no. 1 (2023): 42–47. http://dx.doi.org/10.54254/2754-1169/14/20230785.

Full text

Abstract:

Enterprises in China's food manufacturing industry are mainly small and medium-sized enterprises, which are in a weak market position. With the continuous integration of dis-tributors and the tight capital chain, the proportion of procurement credit will increase, and the problem of accounts receivable will become more and more prominent. Aiming at this problem, this paper adopts literature method and case analysis method to study and discuss the existing problems of accounts receivable management of Shanghai Weiming Food Company. Paper first introduces the research background and significance

APA, Harvard, Vancouver, ISO, and other styles

42

Puspadma, I. Nyoman Alit. "Non-Performing Loan and How to Solve It." Sociological Jurisprudence Journal 4, no. 2 (2021): 145–52. http://dx.doi.org/10.22225/scj.4.2.2021.145-152.

Full text

Abstract:

Credit delivery by the bank requires the debtor to pay the obligations that have been scheduled in the credit agreement, but it will not always work well, sometimes because of something and other things there are also debtors who can not fulfill the obligations that have been promised so that credit problems occur. Non-performing loans also cause problems for banks, because they can make banks collapse. Thus the question arises, how to avoid the occurrence of problem loans and if it occurs, how is the solution?.

APA, Harvard, Vancouver, ISO, and other styles

43

Zhao, Nan, and Dehong Lv. "Can Joining the Agricultural Industry Chain Alleviate the Problem of Credit Rationing for Farmers?" Agriculture 13, no. 7 (2023): 1382. http://dx.doi.org/10.3390/agriculture13071382.

Full text

Abstract:

To solve the problem of credit rationing for farmers that shackles the transformation and upgrading of the agricultural industry and to improve the effect of agricultural industry chains in helping farmers, this paper empirically examines the effect of joining agricultural industry chains on supply-based and demand-based credit rationing for farmers, using the probit and tobit models based on the microscopic research data of 991 farmers in Shaanxi Province, China, and explores its specific effect mechanism. The study finds that agricultural industry chains can increase farmers’ credit by reduc

APA, Harvard, Vancouver, ISO, and other styles

44

Ivlev, V. A. "Problem Debt: Concept, Classification and Regulation." Courier of Kutafin Moscow State Law University (MSAL)) 1, no. 9 (2024): 203–11. http://dx.doi.org/10.17803/2311-5998.2024.121.9.203-211.

Full text

Abstract:

The article is devoted to the analysis of the concept and legal regulation of problem debts arising as a result of improper fulfillment of obligations by clients of credit institutions. In the process of analysing the types of problem debts, special attention is paid to the correlation of problem and overdue debts. Any overdue debt should be as problematic. Other debts may also be recognised as problematic if there are significant risks of default. The author comes to the conclusion that the issues of qualification of problem debts are within the competence of credit organisations. Government

APA, Harvard, Vancouver, ISO, and other styles

45

Valencia-DeLara, P., and A. Ramírez-Ceballos. " A tool applicable to the payment of credits for projects of agricultural crops with different income levels." Agricultural Economics (Zemědělská ekonomika) 58, No. 5 (2012): 231–21. http://dx.doi.org/10.17221/59/2011-agricecon.

Full text

Abstract:

Traditionally, the banking sector has not accounted for the temporary loss in a customer&rsquo;s income, at any stage of the credit life, caused by the changes or the loss of employment, income drops in business, the establishment and development of new projects of agricultural crops with different income levels, or other contingencies that can arise in the today&rsquo;s economy. To address this problem, the present study constructs a phased model of one mother equation, from which a series of equations of financial mathematics are derived as a response to several needs of credit benef

APA, Harvard, Vancouver, ISO, and other styles

46

Ananda Rozi, Nasya, Shafly Muhammad Ardhana, and Yustian Servanda. "Decision Analysis on the Feasibility of Granting People's Business Credit at PT. Bank Negara Indonesia Using the Multi-Objective Optimization On The Basis of Ratio Analysis (MOORA) Method." Journal of Artificial Intelligence and Engineering Applications (JAIEA) 4, no. 3 (2025): 2553–59. https://doi.org/10.59934/jaiea.v4i3.1209.

Full text

Abstract:

In selecting credit recipients, it is necessary to have a recipient selection system that can overcome the problem of bad credit that often occurs (loans that are not repaid by the debtor). Based on this problem, a decision support system is needed that helps identify the wrong recipient. The method used in this study is the Moora method, namely the method for determining priorities. A decision support system is a computer-based system consisting of interacting components: a language system component, a knowledge system component, and a problem-handling system component, and uses data and deci

APA, Harvard, Vancouver, ISO, and other styles

47

Barhdadi, M., B. Benyacoub, and M. Ouzineb. "A hybrid variable neighborhood search with bootstrap resampling technique for credit scoring problem." Mathematical Modeling and Computing 11, no. 1 (2024): 109–19. http://dx.doi.org/10.23939/mmc2024.01.109.

Full text

Abstract:

Credit scoring models have played a vitally important role in the granting credit by lenders and financial institutions. Recently, these have gained more attention related to the risk management practice. Many modeling techniques have been developed to evaluate the worthiness of borrowers. This paper presents a credit scoring model via one of local search methods – variable neighborhood search (VNS) algorithm. The optimizing VNS neighborhood structure is a useful method applied to solve credit scoring problems. By simultaneously tuning the neighborhood structure, the proposed algorithm generat

APA, Harvard, Vancouver, ISO, and other styles

48

Alethea Suryana, Salsabila. "Penyelesaian Kredit Bermasalah Dengan Jaminan Fidusia Antara Nasabah Dengan Perusahaan Pembiayaan." Zaaken: Journal of Civil and Business Law 5, no. 3 (2024): 389–400. https://doi.org/10.22437/zaaken.v5i3.37323.

Full text

Abstract:

The purpose of the research is to determine the occurrence of problem loans between customers and companies and to determine the role of the parties in resolving problem loans with guaranteed fiduciary rights between customers and the financing company PT. Saic General Motors Wuling Multifinance Indonesia Jambi Branch. The research method used is empirical juridical. Based on the research results, it was found that the cause of credit problems between customers and the financing company PT. Saic General Motors Wuling Multifinance Indonesia Jambi Branch, namely the inability of customers to con

APA, Harvard, Vancouver, ISO, and other styles

49

Peng, Hua. "Construction Basis of C2C E-commerce Credit Evaluation Index." Journal of Electronic Commerce in Organizations 15, no. 4 (2017): 11–23. http://dx.doi.org/10.4018/jeco.2017100102.

Full text

Abstract:

C2C e-commerce rapidly develops, which is an important economic pillar. With the deepening of the network life, more and more people join the C2C e-commerce transactions. However, the credit problem of C2C e-commerce has serious hidden security problems. So, the paper analyzes the present situation of C2C e-commerce credit problem and points out the existing problems. Scientifically, systematically, validity, feasibility and comparability are taken as principles to establish the first level indicators that including commodity property, business services, and logistics services and to establish

APA, Harvard, Vancouver, ISO, and other styles

50

Arifardhani, Yoyo, Jum Anggriani, and Silvia Dantyana. "Legal Protection for Creditors Due to Problem Credit with Collateral Rights Guarantee." Jurnal Smart Hukum (JSH) 3, no. 2 (2024): 118–36. http://dx.doi.org/10.55299/jsh.v3i2.1087.

Full text

Abstract:

Legal consequences of the implementation of the Power of Attorney to Charge Mortgage Rights in the implementation of the Sale and Purchase Agreement by a Notary based on the main agreement, namely the Credit Agreement in Banking which is not followed by the making of a Deed of Granting Mortgage Rights and analyzing legal protection for creditors in credit agreements with the execution of mortgage guarantees if the debtor is in default for settlement due to problematic credit. Based on Article 8 of Law No. 10 of 1998 concerning Amendments to Law No. 7 of 1992 concerning Banking in providing cre

APA, Harvard, Vancouver, ISO, and other styles

We offer discounts on all premium plans for authors whose works are included in thematic literature selections. Contact us to get a unique promo code!