Relevant bibliographies by topics / Quality of the loan portfolio

Contents

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

Academic literature on the topic 'Quality of the loan portfolio'

Author: Grafiati
Published: 28 May 2022
Last updated: 30 July 2025

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Journal articles on the topic "Quality of the loan portfolio"

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SIDORKINA, Irina I., and Boris A. MALIKOV. "Environmental situation as a factor influencing the loan portfolio model." Finance and Credit 30, no. 10 (2024): 2287–301. http://dx.doi.org/10.24891/fc.30.10.2287.

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Subject. The article considers the impact of environmental factors on building the loan portfolio model in a commercial bank. Objectives. The aims are to introduce environmental factors and assess ESG risks in the process of loan portfolio construction, identify the significance of their impact on the loan portfolio, and create a new model of loan portfolio formation. Methods. Based on analysis and synthesis and the model used, the study offers creating a new model of loan portfolio formation to reduce risks and improve its quality. Results. The study assessed the modern methodology for loan p
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Jacob, Gabriel. "LOAN PORTFOLIO QUALITY AND EFFICIENCY OF QUOTED DEPOSIT MONEY BANKS IN NIGERIA." International Journal of Economics Finance & Management Science 08, no. 05 (2023): 05–09. http://dx.doi.org/10.55640/ijefms-9123.

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This article investigates the relationship between loan portfolio quality and efficiency among quoted Deposit Money Banks (DMBs) in Nigeria. The study analyzes data from financial statements of selected banks to assess loan portfolio quality using metrics such as non-performing loan ratio, loan loss provision ratio, and loan recovery rate. Efficiency is measured through indicators like cost-to-income ratio, return on assets, and return on equity. The findings reveal variations in loan portfolio quality and efficiency among the sampled banks, emphasizing the importance of robust credit risk man
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Mwaipaja, Festo, and Joseph Magali. "Influence of Demographic Factors on Loan Portfolio Quality in the Savings and Credit Cooperatives Societies in Tanzania." EAST AFRICAN JOURNAL OF EDUCATION AND SOCIAL SCIENCES 5, no. 3 (2024): 33–46. http://dx.doi.org/10.46606/eajess2024v05i03.0380.

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This study determined the influence of demographic factors on loan portfolio quality in Tanzania, focusing on the Hazina SACCOS. The sample of the study was 134 out of 423 borrowers from Dar es saalam and Dodoma cities, whose loans did not exceed Tanzanian Shillings 5 millions. Only 100 questionnaire sheets were returned. Out of those, only 75 were correctly filled, hence used for analysis. Data analysis took place through descriptive and regression analysis. The study concludes that demographic factors affected loan portfolio in different ways. While female borrowers had higher loan repayment
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Nderitu Githaiga, Peter. "Revenue diversification and quality of loan portfolio." Journal of Economics and Management 42 (2020): 5–19. http://dx.doi.org/10.22367/jem.2020.42.01.

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Aim/purpose – This paper aims at examining the impact of revenue diversification on the quality of loan portfolio. The interest has been stimulated by the growing appetite for nontraditional activities among banks due to the declining interest income and rising nonperforming loans. Design/methodology/approach – The study considers a sample of 67 countries and quarterly banking sector financial reports over the period 2016Q1-2018Q4.The data are extracted from the International Monetary Fund Financial Soundness Indicators (FSI) database and are analysed through fixed effect regression as support
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BELIKOVA, Tetiana, and Marharyta PUSHKINA. "Methods for analyzing the quality of a banks loan portfolio." Economics. Finances. Law, no. 4/1 (April 30, 2020): 35–40. http://dx.doi.org/10.37634/efp.2020.4(1).8.

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Lending is one of the major banking institutions. But lending has some risks of varying degrees. The main purpose of banks is to repay loans and to maximize profits. To do this, banks need to implement an efficient, flexible and modern credit portfolio quality management system. An important element of this system is the analysis of the quality of the loan portfolio. That is why the consideration of the methods by which banks can carry out this analysis is a very actual topic. The purpose of this paper is to review methods of analyzing the quality of a bank's loan portfolio, as well as to outl
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Zaichko, Iryna, Liudmyla Bohrinovtseva, Yuliia Verheliuk, and Olena Purdenko. "CURRENT CHALLENGES AND PROSPECTS OF LOAN PORTFOLIO QUALITY MANAGEMENT IN WARTIME: THE CASE OF UKRAINE." Academic Review 2, no. 59 (2023): 218–34. http://dx.doi.org/10.32342/2074-5354-2023-2-59-15.

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The purpose of the study is to develop effective ways to solve the problems of managing the quality of the loan portfolio of the Ukrainian banking sector in the context of the financial crisis caused by the russian-Ukrainian war. In the course of the study, such scientific methods as fundamental provisions of the credit portfolio theory, multifactor regression analysis, extrapolation, trend analysis, mathematical programming, etc. have been used. A methodical approach to the study of contemporary problems and prospects of loan portfolio quality management under martial law, consisting in model
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SOLOVEI, Nadiia, and Ihor SKRYPNYCHENKO. "Problems of qualitative evaluation of commercial bank loan." Economics. Finances. Law, no. 1/2 (January 31, 2020): 15–19. http://dx.doi.org/10.37634/efp.2020.1(2).3.

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The article defines the nature of the loan portfolio, as well as the problems in the assessment and analysis of the commercial bank loan portfolio. In order to improve the existing credit portfolio of the bank, the dynamics, categories of the borrower ratio and the quality of the loan portfolio are analyzed, based on the obtained data, significant factors influencing the formation and management of the analyzed bank's loan portfolio are determined. Generation of a loan portfolio is usually subject to issuance of loans with maximum yield on the same terms. The profitability of a loan transactio
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Popova, Polina. "COVID‐19, corporate non-performing loans, and corporate lending dynamics: Evidence from Russian regions." Applied Econometrics 76, no. 4 (2024): 5–28. https://doi.org/10.22394/1993-7601-2024-76-5-28.

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The COVID‐19 pandemic had a highly negative impact on the corporate sector across many economies. This study examines the relationship between the spread of the COVID‐19 virus, the quality of corporate loan portfolios, and the volume of corporate loans in Russian regions. Using cross-regional variation in the number of COVID‐19 cases in Russia from April 2020 to February 2022, we document lower corporate loan portfolio quality among banks operating in regions with higher COVID‐19 rates, as well as an inverse relationship between corporate non-performing loans and the volume of corporate loans
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Avazkhon, Agzamov, and Malikova Dilrabo. "Loan portfolio of banks in Uzbekistan and ways to improve the efficiency of loan portfolio management." Yashil iqtisodiyot va taraqqiyot 2, no. 4 (2024): 9–13. https://doi.org/10.5281/zenodo.14211189.

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Decreasing the share of non-performing loans is critical for ensuring financial stability, enhancing creditavailability, improving cost efficiency, strengthening risk management, fostering investor confidence, complying withregulatory requirements, and supporting sustainable economic growth. By addressing the root causes of NPLs andimplementing effective risk mitigation strategies, banks can enhance their resilience, competitiveness, and long-termviability in the global financial landscape. The paper examines the essence of the concept of problem loans, presents themain factors that contribute
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Rakhimzhanova, K., G. Zhorabaуeva, and B. Aliуeva. "Analysis of the current state of the loan portfolio of commercial banks." ECONOMIC SERIES OF THE BULLETIN OF THE L.N. GUMILYOV ENU, no. 3 (2022): 198–206. http://dx.doi.org/10.32523/2789-4320-2022-3-198-206.

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One of the main factors hindering the stability of the banking sector is problem loans. These problem loans reduce the liquidity of banks, as well as the development of the economy as a whole. Problem loans are loans with a low probability of non-repayment or repayment of debt. Therefore, after issuing a loan, the bank must take measures to ensure that there are no loan expenses. The management of problem loans is one of the most important aspects of banking practice. The article is devoted to ensuring the optimization of the quality of the loan portfolio of Kazakhstani banks and their structu
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Dissertations / Theses on the topic "Quality of the loan portfolio"

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Mayorca, Huamán Ellen, and Andía Giovanna Aguilar. "Competition and loan portfolio quality in the Peruvian microfinance market, 2003-2015." Economía, 2017. http://repositorio.pucp.edu.pe/index/handle/123456789/117172.

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The aim of this study is to analyze the relationship between competition and loan portfolio quality in the Peruvian microfinance sector. To make this analysis the market is segmented into three groups of microfinance microfinance institutions IMFs), considering the average volume of its loans. So that, in the first group (large IMFs) entities of higher average volume of loans are located, in the second group (medium IMFs) entities with an average volume of loans are located and finally, in the third group (small IMFs) are entities with lower average loan volumes.This segmentation reflects the
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Халемендик, С. М. "Розвиток механізму формування і реалізації кредитної політики банку". Master's thesis, Українська академія банківської справи Національного банку України, 2013. http://essuir.sumdu.edu.ua/handle/123456789/49668.

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В роботі удосконалено науково-методичні засади формування кредитної політики банку, в межах якої нами розроблено адаптивну концепцію формування кредитної політики, що дозволяє оперативно реагувати на будь-які зміни кон’юнктури ринків.<br>In this paper improved scientific and methodological basis for the formation of loan policy, within which we have developed the concept of adaptive credit policy that allows you to respond quickly to any changes in market conditions.
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Марчук, В. П. "До питання взаємодії банків з колекторськими компаніями". Thesis, Українська академія банківської справи, 2010. http://essuir.sumdu.edu.ua/handle/123456789/57115.

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Збільшення простроченої заборгованості банків України у кризовий період 2008-2009 рр. спонукало банки продавати частину проблемних кредитів колекторським компаніям за ціною 10-15 % вартості кредитного портфеля.Колекторські компанії діють м'якими і жорсткими методами. Аутсорсінг дозволяє банкам поліпшити якість кредитного портфеля, але в подальшому веде до погіршення репутації банку.<br>The increase in bad debts of banks of Ukraine in the crisis period 2008-2009, has prompted some banks to sell NPLs collection companies at a price 10-15% of the cost of credit portfolio.Kolektorski are soft and
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Black, Kevin. "Determining capital adequacy for a community bank's agricultural loan portfolio." Thesis, Kansas State University, 2015. http://hdl.handle.net/2097/35221.

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Master of Agribusiness<br>Department of Agricultural Economics<br>Brian C. Briggeman<br>As the recent financial crisis brought to light, the ability of commercial banks to quantify and better manage risk in their loan portfolios is paramount to their continued success and viability. Assessing, managing, and retaining capital is now a larger issue than ever given this event as well as the advent of the Basel III Accord. Pinnacle Bancorp is a community banking organization headquartered in Omaha, Nebraska with roughly $8.6 billion in assets. The company is also one of the largest agricultu
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Brushammar, Tobias, and Erik Windelhed. "An Optimization-Based Approach to the Funding of a Loan Portfolio." Thesis, Linköping University, Department of Mathematics, 2004. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-2664.

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<p>This thesis grew out of a problem encountered by a subsidiary of a Swedish multinational industrial corporation. This subsidiary is responsible for the corporation’s customer financing activities. In the thesis, we refer to these entities as the Division and the Corporation. The Division needed to find a new approach to finance its customer loan portfolio. Risk control and return maximization were important aspects of this need. The objective of this thesis is to devise and implement a method that allows the Division to make optimal funding decisions, given a certain risk limit. </p><p>We p
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Miehle, Christian. "Optimale Selektionsprozesse für true sale collateralised loan obligations." Hamburg Kovac, 2007. http://d-nb.info/988037858/04.

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Mwembe, Yolam [Verfasser]. "Credit management and loan portfolio performance in Pride Microfinance Ltd / Yolam Mwembe." München : GRIN Verlag, 2019. http://d-nb.info/118803037X/34.

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Brand, Rosa. "Impairment in the mortagage loan portfolio: The example of Banco Popular portugal." Master's thesis, NSBE - UNL, 2011. http://hdl.handle.net/10362/10057.

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A Work Project, presented as part of the requirements for the Award of a Masters Degree in Finance from the NOVA – School of Business and Economics<br>The recent financial crisis has highlighted the significant impact of external factors such as housing prices and GDP on banks. results. In the light of these events, the aim of this paper is to support Banco Popular Portugal in analyzing the influence of general economic indicators, specifically real estate prices, on credit impairment in the mortgage loan portfolio and developing methods to forecast impairment using these indicators. Based on
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Park, Jung Chik. "Business cycle and bank loan portfolio performance: empirical evidence from Brazilian banks." reponame:Repositório Institucional do FGV, 2011. http://hdl.handle.net/10438/8903.

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Submitted by Jung Park (jung.park@hotmail.com) on 2012-01-04T16:33:48Z No. of bitstreams: 1 tese_ingles_finalv161.pdf: 1359481 bytes, checksum: 8c9d69fdfad60ae0fadd9689ce106a17 (MD5)<br>Approved for entry into archive by Gisele Isaura Hannickel (gisele.hannickel@fgv.br) on 2012-01-04T16:37:33Z (GMT) No. of bitstreams: 1 tese_ingles_finalv161.pdf: 1359481 bytes, checksum: 8c9d69fdfad60ae0fadd9689ce106a17 (MD5)<br>Made available in DSpace on 2012-01-04T16:40:34Z (GMT). No. of bitstreams: 1 tese_ingles_finalv161.pdf: 1359481 bytes, checksum: 8c9d69fdfad60ae0fadd9689ce106a17 (MD5) Previous
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Lindgren, Jonathan. "Modeling credit risk for an SME loan portfolio: An Error Correction Model approach." Thesis, Umeå universitet, Institutionen för matematik och matematisk statistik, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-136176.

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Sedan den globala finanskrisen 2008 har flera stora regelverk införts för att säkerställa att banker hanterar risker på sunt sätt. Bland dessa regelverk är Basel II som infört kapitalkrav för kreditrisk som baseras på Sannolikhet för Fallissemang och Förlust Givet Fallissemang. Basel II Advanced Internal-Based Approach ger banker möjligheten att skatta dessa riskmått för enskilda portföljer och göra interna kreditriskvärderingar. I överensstämmelse med Advanced Internal-Based-rating undersöker denna uppsats användningen av en Error Correction Model för modellering av Sannolikhet för Fallissema
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Books on the topic "Quality of the loan portfolio"

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United States. Farm Credit Administration, ed. Loan portfolio management. The Administration, 1998.

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Weiland, Janice M. Focusing on loan portfolio concentrations. Robert Morris Associates, 1993.

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DeYoung, Robert. Risk overhang and loan portfolio decisions. Federal Reserve Bank of Chicago, 2005.

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Hua, Yu. Commercial banks' sovereign loan lending behavior and loan portfolio analysis. CIACO, 1989.

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United States. Office of Management and Budget. Agency reports to Congress on loan portfolio valuation. Executive Office of the President, Office of Management and Budget, 1997.

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Frame, W. Scott. Federal home loan bank advances and commercial bank portfolio composition. Federal Reserve Bank of Atlanta, 2007.

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Mawby, William D. Project portfolio selection for Six Sigma. ASQ Quality Press, 2007.

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Acharya, Viral V. Should banks be diversified?: Evidence from individual bank loan portfolios. Bank for International Settlements, Monetary and Economic Dept., 2002.

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Washington (State). Dept. of Ecology., ed. Ecology's State Revolving Fund low-interest loan program. Washington State Dept. of Ecology, 1999.

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Washington (State). Legislature. Joint Legislative Audit and Review Committee. Investing in the environment: Environmental quality grant & loan programs performance audit. The Committee, 2001.

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Book chapters on the topic "Quality of the loan portfolio"

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Müller, Birgit Charlotte. "The Pricing of European Non-Performing Real Estate Loan Portfolios." In Three Essays on Empirical Asset Pricing in International Equity Markets. Springer Fachmedien Wiesbaden, 2021. http://dx.doi.org/10.1007/978-3-658-35479-4_4.

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ZusammenfassungNon-performing loans (NPL), commonly referred to as loans in arrears for at least 90 days, have continuously been characterized as the top priority of the European Central Bank (ECB) and continue to attract central attention (ECB, 2018a,b). With the outbreak of the European debt crisis, the quality of banks’ assets had deteriorated in a manner that, despite robust economic recovery and a variety of regulatory efforts, NPL still today pose a threat to bank and thrift institutions. Against this backdrop, the European regulator requires banks to develop effective strategies for red
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Gauthier, Laurent. "Overview of Loan Portfolio Analysis." In Springer Texts in Business and Economics. Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-50326-0_3.

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Abor, Joshua Yindenaba, Agyapomaa Gyeke-Dako, Vera Ogeh Fiador, Elikplimi Komla Agbloyor, Mohammed Amidu, and Lord Mensah. "Loan Portfolio and Credit Management." In Money and Banking in Africa. Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-319-77458-9_8.

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Hünseler, Michael. "Loan Credit Derivatives, Subparticipations and Credit Indices." In Credit Portfolio Management. Palgrave Macmillan UK, 2013. http://dx.doi.org/10.1057/9780230391505_8.

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Keisler, Jeffrey. "Portfolio Decision Quality." In Portfolio Decision Analysis. Springer New York, 2011. http://dx.doi.org/10.1007/978-1-4419-9943-6_2.

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Waldemar, Szczepaniak. "PROJECT PORTFOLIO MANAGEMENT AND QUALITY." In Quality Production Improvement - QPI, edited by Robert Ulewicz. Sciendo, 2019. http://dx.doi.org/10.2478/9783110680591-004.

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Buttrick, Robert. "Developing a quality solution." In The Programme and Portfolio Workout. Routledge, 2020. http://dx.doi.org/10.4324/9781315194608-29.

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Dang, Van Dan, and Japan Huynh. "The Effects of Loan Portfolio Diversification on Vietnamese Banks’ Return." In Beyond Traditional Probabilistic Methods in Economics. Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-030-04200-4_68.

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Guo, Zhanqin, and Zongfang Zhou. "A Multi-objective Decision-Making Method for Commercial Banks Loan Portfolio." In Data Mining and Knowledge Management. Springer Berlin Heidelberg, 2005. http://dx.doi.org/10.1007/978-3-540-30537-8_24.

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Zhu, Steven H. "Region and Sector Effects in Stress Testing of Commercial Loan Portfolio." In Commercial Banking Risk Management. Palgrave Macmillan US, 2016. http://dx.doi.org/10.1057/978-1-137-59442-6_10.

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Conference papers on the topic "Quality of the loan portfolio"

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Han, Hanif, Teddy Mantoro, and Handri Santoso. "Comparative Analysis of SQL and Apache Spark: Time Evaluation in Loan Portfolio Analysis." In 2024 10th International Conference on Computing, Engineering and Design (ICCED). IEEE, 2024. https://doi.org/10.1109/icced64257.2024.10983274.

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Tagawa, Kiyoharu, and Yukiko Orito. "Prospect Theory-Based Formulation of Portfolio Optimization Problem using Loan And Its Solution by Evolutionary Algorithm." In 2024 Joint 13th International Conference on Soft Computing and Intelligent Systems and 25th International Symposium on Advanced Intelligent Systems (SCIS&ISIS). IEEE, 2024. https://doi.org/10.1109/scisisis61014.2024.10759901.

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Stahl, John H. "Building and Marketing a Great Portfolio." In Paint and Coatings Expo (PACE) 2007. SSPC, 2007. https://doi.org/10.5006/s2007-00088.

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Abstract The camera is one of the best marketing tools you can own. Good photographs can tell a story of quality and help educate your potential customers with step by step before and after examples of your work.
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Safdarian, Farnaz, Sanjana Kunkolienkar, Jonathan Snodgrass, Adam Birchfield, and Thomas J. Overbye. "Creating a Portfolio of Large-Scale, High-Quality Synthetic Grids: A Case Study." In 2024 IEEE Kansas Power and Energy Conference (KPEC). IEEE, 2024. http://dx.doi.org/10.1109/kpec61529.2024.10676252.

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López Flores, Walter Jeremías. "Evaluation of Neural Network and Logit Models for Classification of Default in Banking Loans." In I Conferencia Internacional de Ciencia, Tecnología e Innovación. Trans Tech Publications Ltd, 2024. http://dx.doi.org/10.4028/p-dxrv7c.

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The purpose of the study was to evaluate the performance of neural networks as modern techniques to classify the risk of default against the traditional Logit statistical method, taking a Honduran bank as a case study. The data was obtained from its credit portfolio made up of 38,156 personal loans and 9 available characteristics, choosing the most representative independent variables to design a Multilayer Perceptron type base model and its Logit equivalent to which characteristics were added to analyze their impact on the classification of the dependent variable Default, leaving in the end a
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Yusupova, O., and V. Vinichenko. "APPLICATION OF ARTIFICIAL INTELLIGENCE IN THE ACTIVITIES OF BANKS." In Digital transformation in the economy of the transport complex. INFRA-M Academic Publishing LLC., 2025. https://doi.org/10.12737/conferencearticle_678931075647d7.34479950.

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During the economic crisis, competition intensifies in the banking market. It is due to the fact that a decrease in the level of income of the population leads to a decrease in the quality of borrowers, both potential and existing. Banks are not interested in deteriorating the quality categories of loans in their loan portfolio and are forced to refuse borrowers with a high level of maximum debt load. To improve the decision-making process on credit products and the processes of monitoring the quality of existing loans, artificial intelligence technologies have been widely used.
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Cîrlan, Ana. "Lending activity of legal entities in the current conditions." In International Scientific Conference “30 Years of Economic Reforms in the Republic of Moldova: Economic Progress via Innovation and Competitiveness”. Academy of Economic Studies of Moldova, 2022. http://dx.doi.org/10.53486/9789975155663.52.

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Lately, innovations and technological progress in the banking sector have generated new perspectives for banks in the Republic of Moldova. In the conditions of the financial crisis, both the National Bank of Moldova and the licensed banks pay special attention to the loan portfolio. This indicator reflects the quality of credit portfolio management, which therefore influences the situation of the banking system as a whole. Therefore, the issue of setting up a loan portfolio of the bank, which has minimal risk elements and is able to bring in maximum income, is relevant.
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Herasymenko, Alina. "TYPES OF INDUSTRIAL LOAN PORTFOLIO AS AN IMPORTANT COMPONENT OF THE BANK’S CORPORATE LOAN PORTFOLIO." In From the Baltic to the Black Sea: the Formation of Modern Economic Area. Publishing House “Baltija Publishing”, 2023. http://dx.doi.org/10.30525/978-9934-26-377-4-15.

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Hu, JianQiang, Jun Tong, Tie Liu, Rongzeng Cao, and Bo Yang. "A two-level loan portfolio optimization problem." In 2010 Winter Simulation Conference - (WSC 2010). IEEE, 2010. http://dx.doi.org/10.1109/wsc.2010.5678957.

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Ning, Yufu, Dongjing Pan, and Xiao Wang. "VaR for Loan Portfolio in Uncertain Environment." In 2014 Seventh International Joint Conference on Computational Sciences and Optimization (CSO). IEEE, 2014. http://dx.doi.org/10.1109/cso.2014.158.

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Reports on the topic "Quality of the loan portfolio"

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Lucas, Deborah, and Robert McDonald. Bank Portfolio Choice with Private Information About Loan Quality: Theory and Implications for Regulation. National Bureau of Economic Research, 1987. http://dx.doi.org/10.3386/w2421.

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Fryer, Michelle, Ursula Quijano, Patricia Sadeghi, Carla Calero, Salomon Garcia Villegas, and Sebastián Vargas. Implementation of the Strategy for Indigenous Development (GN-2387-5): Lessons from the Portfolio Review. Inter-American Development Bank, 2012. http://dx.doi.org/10.18235/0010431.

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Analysis of the portfolio related to indigenous peoples in the context of the Indigenous Development Strategy (IDS) approved in 2006, shows that: (i) indigenous issues are less prevalent in Country Strategies from 2006 onward; (ii) the instrument most used to address indigenous issues is technical cooperation, followed by loan operations; (iii) there is limited evidence of a mainstreaming approach to the integration of indigenous issues in IDB operations; (iv) the number of loans with a proactive approach declined after approval of IDS; (v) the evaluability of operations related to indigenous
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Cabrera, Wilmar, Santiago Gamba, Camilo Gómez, and Mauricio Villamizar-Villegas. Examining Macroprudential Policy through a Microprudential Lens. Banco de la República, 2022. http://dx.doi.org/10.32468/be.1212.

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In this paper, we examine the financial and real effects of macroprudential policies with a new identifying strategy that exploits borrower-specific provisioning levels for each bank. Locally, we compare similar firms just below and above regulatory thresholds established in Colombia during 2008--2018 for the corporate credit portfolio. Our results indicate that the scheme induces banks to increase the provisioning cost of downgraded loans. This implies that, for loans with similar risk but with a discontinuously lower rating, banks offer a lower amount of credit, demand higher quality guarant
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4

Gonzalez Diez, Verónica M., and Lourdes Alvarez. Thematic Note: The Challenge of Integrated Watershed Management: Analysis of the Bank's Actions in Watershed Management Programs 1989-2010. Inter-American Development Bank, 2011. http://dx.doi.org/10.18235/0010445.

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The objective of this thematic note is to analyze IDB's actions in integrated watershed management during the period 1989-2010. The approach of the IDB's loan portfolio in this sector shifted from having an emphasis on resource management and conservation (in the 1990s) toward financial support for actions to promote sustainable development and the improvement of the population's quality of life, as well as institutional reforms through the use of programmatic policy-based loans. In general, project evaluability was found to be low. The main limitation is the lack of effective outcome indicato
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5

Bhardwaj, Geetesh, and Rajdeep Sengupta. Subprime Loan Quality. Federal Reserve Bank of St. Louis, 2008. http://dx.doi.org/10.20955/wp.2008.036.

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6

Thompson, Peter, Merrian Borgeson, Chris Kramer, Mark Zimring, and Charles Goldman. Selling an Energy Efficiency Loan Portfolio in Oregon: Resale of the Craft3 loan portfolio to Self-Help Credit Union. Office of Scientific and Technical Information (OSTI), 2014. http://dx.doi.org/10.2172/1136775.

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7

Morais, Bernardo, Gaizka Ormazabal, José-Luis Peydró, Mónica Roa, and Miguel Sarmiento. Forward Looking Loan Provisions: Credit Supply and Risk-Taking. Banco de la República, 2021. http://dx.doi.org/10.32468/be.1159.

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We show corporate-level real, financial, and (bank) risk-taking effects associated with calculating loan provisions based on expected—rather than incurred—credit losses. For identification, we exploit unique features of a Colombian reform and supervisory, matched loan-level data. The regulatory change induces a dramatic increase in provisions. Banks tighten all new lending conditions, adversely affecting borrowing-firms, with stronger effects for risky-firms. Moreover, to minimize provisioning, more affected (less-capitalized) banks cut credit supply to risky-firms— SMEs with shorter credit hi
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8

Schiantarelli, Fabio, Massimiliano Stacchini, and Philip Strahan. Bank Quality, Judicial Efficiency and Borrower Runs: Loan Repayment Delays in Italy. National Bureau of Economic Research, 2016. http://dx.doi.org/10.3386/w22034.

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9

Soriano, Alejandro. Oversight Note on Credit Risk Management. Inter-American Development Bank, 2011. http://dx.doi.org/10.18235/0010447.

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This evaluation examines IDB's management of credit risk of Non-Sovereign Guaranteed Operations. Although the IDB is not subject to the Principles for the Management of Credit Risk issued by the Basel Committee for Banking Supervision, these principles have been used as guidelines for this assessment. It can be concluded that the IDB largely complies with Basel's credit risk management principles. To further develop what is already a solid foundation for its credit risk management system, it is recommended that the IDB adopts a comprehensive Credit Risk Framework that clearly defines its risk
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García, Emma, Wesley Wei, Susan Kemper Patrick, Melanie Leung-Gagné, and Michael A. DiNapoli Jr. In Debt: Student Loan Burdens Among Teachers. Learning Policy Institute, 2023. http://dx.doi.org/10.54300/497.986.

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This report analyzes data from the National Teacher and Principal Survey from 2020–21. It describes the state of student loan borrowing and repayment among full-time, public school teachers and explores whether student loan burdens differ by teacher characteristics. The analyses also examine the extent to which student loan debt is associated with teachers’ well-being and employment decisions. The report concludes with recommendations that support the expansion of programs that alleviate or minimize the costs of comprehensive teacher preparation and credentialing; improve teaching conditions;
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