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Journal articles on the topic 'State loan'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

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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O. Olateju, Adijat. "Determinants of Loan Repayment Among Microfinance Beneficiaries in Lagos State, Nigeria." International Journal of Economic, Finance and Business Statistics 2, no. 2 (2024): 57–68. http://dx.doi.org/10.59890/ijefbs.v2i2.1726.

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This study examines the determinants of loan repayment among microfinance institutions (MFIs) among their 384 microenterprises. The research found that age, gender, marital status, educational level, business experience, family size, type of business, interest rate, profit level, lending method, training/business enhancement program, and loan repayment time are not significant determinants of loan repayment among MEs in the study area. Prompt loan repayment can encourage cordial relationships between MFIs and their customers, and thus, MFIs and stakeholders should consider these significant va

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Rakhimzhanova, K. K., and S. B. Makysh. "Analysis of the current state of problem loans in second-tier banks." ECONOMIC Series of the Bulletin of the L N Gumilyov ENU, no. 4 (February 2, 2023): 158–66. http://dx.doi.org/10.32523/2079-620x-2020-4-158-166.

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Banks can ensure economic growth in the country by increasing the loan portfolio.Such rapid growth can pose a real threat to the quality of banking assets, and as economic growthslows down, profitability decreases and the borrower’s solvency decreases. This threat poses asystemic risk in the banking sector and can threaten not only the counter-sector, but also thecountry’s economy. At the same time, these conditions require a certain level of quality in theassessment of the borrower’s creditworthiness and banking supervision.One of the main factors hindering the stability of the banking sector

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Ameh, Michael, and Sang Hyeon Lee. "Determinants of Loan Acquisition and Utilization among Smallholder Rice Producers in Lagos State, Nigeria." Sustainability 14, no. 7 (2022): 3900. http://dx.doi.org/10.3390/su14073900.

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Agriculture is a major contributor to economic development in most developing nations, with smallholder farmers playing a critical role, but their productivity and growth are impeded by a lack of access to agricultural loans. The affordability of loans is critical for sustainable agricultural development. Therefore, this paper investigates farmers’ loan acquisition and utilization, as well as their choice of loan sources using a two-part model and multinomial logit model. A total of 281 smallholder rice farmers were surveyed in Lagos State, Nigeria. The empirical findings show that marital sta

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Pontius, Frederick W. "State Revolving Loan Fund Outlook." Journal - American Water Works Association 92, no. 6 (2000): 12–14. http://dx.doi.org/10.1002/j.1551-8833.2000.tb08954.x.

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Ilavbarhe, K. O., G. O. Alufohai, and T. S. Keyagha. "Assessment of Loan Repayment Capacity of Cooperative Farmers in Bayelsa State, Nigeria." Journal of Advance Research in Business Management and Accounting (ISSN: 2456-3544) 3, no. 3 (2017): 01–17. http://dx.doi.org/10.53555/nnbma.v3i3.64.

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The study assessed loan repayment capacity of cooperative farmers in Bayelsa State between 2009 and 2014. It specifically examined the socio-economic profile of the cooperative farmers, estimated the rate of loan repayment by borrowers and determined the loan recovery strategies of the farmers’ cooperatives societies. A multistage sampling technique was used to select 200 respondents in the study area. Structured questionnaire and interview schedule were used to obtain data from the respondents. Data were analyzed using percentages, means, multiple regression, loan repayment indices, t-test an

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Akbar, Muhammad. "Analysis of the Effect of Capital Adequacy Ratio (Car), Non-Performing Loan (Npl), and Operating Cost Operating Income (Bopo), Net Interest Margin (Nim) to Loan to Deposit Ratio (Ldr) of State-Owned Banks in Indonesia." Journal of Social Research 2, no. 5 (2023): 1591–607. http://dx.doi.org/10.55324/josr.v2i5.868.

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A bank is an institution with a financial intermediation function that has the authority to raise public funds and also distribute money in the form of loans and other financial services. The purpose of this study is to analyze the effect of Capital Adequacy Ratio (CAR) on Loan to Deposit Ratio (LDR) at State-Owned Banks in Indonesia, 2015 – 2019 and to analyze the effect of Non-Performing Loans (NPL) on Loan to Deposit Ratio (LDR) at State-Owned Banks in Indonesia, 2015 – 2019. This study is a quantitative study. This study uses a hypothesis testing design which is a design aimed at testing t

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Ngozi Paul OKONTA, Felix Odemero ACHOJA, and Loveth Omoviroro OKUMA. "Willingness and capacity of borrowers for loan repayment among farmers in Delta State Nigeria." GSC Advanced Research and Reviews 17, no. 2 (2023): 112–25. http://dx.doi.org/10.30574/gscarr.2023.17.2.0429.

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Willingness of borrowers to repay loan and their capacity to repay borrowed fund has been an enigmatic challenge in the financing of agricultural enterprises in the tropics. As it stands, there is lack of empirical information on willingness of borrowers to repay loan and their capacity to repay credit. Investigating this challenge will improve agriculture in Delta state, Nigeria. This study derives its significance from its implications and usability among credit institutions. This study investigates willingness and capacity of borrowers for credit repayment among farmers in Delta State, Nige

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Ngozi, Paul OKONTA, Odemero ACHOJA Felix, and Omoviroro OKUMA Loveth. "Willingness and capacity of borrowers for loan repayment among farmers in Delta State Nigeria." GSC Advanced Research and Reviews 17, no. 2 (2023): 112–25. https://doi.org/10.5281/zenodo.10614914.

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Willingness of borrowers to repay loan and their capacity to repay borrowed fund has been an enigmatic challenge in the financing of agricultural enterprises in the tropics. As it stands, there is lack of empirical information on willingness of borrowers to repay loan and their capacity to repay credit. Investigating this challenge will improve agriculture in Delta state, Nigeria. This study derives its significance from its implications and usability among credit institutions. This study investigates willingness and capacity of borrowers for credit repayment among farmers in Delta State, Nige

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10

Carlson, Susan M. "The U.S. Student Loan Debt Crisis: State Crime or State-Produced Harm?" Journal of White Collar and Corporate Crime 1, no. 2 (2020): 140–52. http://dx.doi.org/10.1177/2631309x20921567.

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The unprecedented US$1.64 trillion level of student loan debt in the United States can be linked to the neoliberal process of privatization of higher education. But is the U.S. student loan debt crisis a state crime? This article examines the social harm student loan debt has caused; proposes an explanation for the shift to debt-financed, commodified public higher education; reveals government disinvestment in public higher education; details the transition of public higher education as a public good to higher education as a commodity financed with debt; and describes Obama administration refo

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Bailey, Warren, Wei Huang, and Zhishu Yang. "Bank Loans with Chinese Characteristics: Some Evidence on Inside Debt in a State-Controlled Banking System." Journal of Financial and Quantitative Analysis 46, no. 6 (2011): 1795–830. http://dx.doi.org/10.1017/s0022109011000433.

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AbstractWe study a transitional economy where state-controlled banks make loan decisions based on noisy inside information on prospective borrowers, and may lend to avert unemployment and social instability. In China, poor financial performance and high managerial expenses increase the likelihood of obtaining a bank loan, and bank loan approval predicts poor subsequent borrower performance. Negative event study responses occur at bank loan announcements, particularly for borrowers measuring poorly on quality and creditworthiness, or for lenders or borrowers involved in litigation regarding loa

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ABDULRAHMAN, O. L., A. R. ADEBAYO, I. OGUNLADE, O. G. BELLO, W. O. OYEDIRAN, and P. E. OLOWOLAYEMO. "RICE FARMERS COOPERATIVE GROUP MEMBERS’ PERCEPTION ON LOAN REPAYMENT IN KWARA STATE, NIGERIA." FUDMA Journal of Agriculture and Agricultural Technology 9, no. 1 (2023): 150–58. http://dx.doi.org/10.33003/jaat.2023.0901.20.

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The study examined the perception of cooperative rice farmers on loan repayment in Edu Local Government Area of Kwara State, Nigeria. Interview schedule was employed in obtaining information from 138 cooperative rice farmers randomly selected from twenty-three rice cooperative groups. Data were analyzed using descriptive and inferential statistical tools. The result shows that the mean age of the respondents was 41 years and household size of 7 persons, majority (70.3%) were males, married (84.1%), with average rice farming experience 25 years. Also majority (98.6%) of the respondents have hig

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Ume, S. I., C. I. Ezeano, and N. J. Obiekwe. "Analysis of Determinant Factors to Loan Repayment among Broiler Farmers in Enugu State, Nigeria." International Journal of Environmental & Agriculture Research 4, no. 6 (2018): 01–11. https://doi.org/10.5281/zenodo.1302321.

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<strong><em>Abstract</em></strong><strong>—</strong> <em>Analysis of loan repayment among rice farmers in Enugu State, Nigeria was studied using </em><em>one hundred and eighty respondents. These respondents were selected using multi stage sampling procedure and purposive selection procedure. The objectives of the study were to describe the socio-economic characteristics of the broiler farmers, identify the various broiler management practices the farmers put their credit into, assess the determinant factors influencin loan repayments among the farmers and identify the constraints to loa

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14

Zhou, Jianfang, Jingjing Wang, and Jianping Ding. "How loan interest rate liberalization affects firms’ loan maturity structure." China Finance Review International 4, no. 2 (2014): 153–67. http://dx.doi.org/10.1108/cfri-06-2013-0078.

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Purpose – After loan interest rate upper limit deregulation in October 2004, the financing environment in China changed dramatically, and the banks were eligible for risk compensation. The purpose of this paper is to focus on the influence of the loan interest rate liberalization on firms’ loan maturity structure. Design/methodology/approach – Based on Rajan's (1992) model, the authors constructed a trade-off model of how the banks choose long-term and short-term loans scales, and further analyzed banks’ loan term decisions under the loan interest rate upper limit deregulation or collateral ca

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Simatupang, David Oscar. "Pinjaman Modal Usaha Tani Pada Bank Daerah Versus Bank Negara." JURNAL ILMU EKONOMI & SOSIAL 10, no. 2 (2019): 119–28. http://dx.doi.org/10.35724/jies.v10i2.2413.

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Rice Commodity is a commodity that has high economic value, so it needs to be developed by increasing loan investment, so that the important role of the Bank for lending is very important for the development of agricultural businesses and farmers' economy. This study aims to see whether there is a difference between the value of the loan, type of loan, income, and the form of loan against the selection of the type of bank. This research was conducted in Merauke Regency, Tanah Miring District, with a sample of 97 respondents from household heads of farm households. Using quantitative descriptiv

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Zemel, Michelle. "The Information Content of Loan Growth in Banks." Quarterly Journal of Finance 08, no. 02 (2018): 1850004. http://dx.doi.org/10.1142/s2010139218500040.

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I empirically evaluate the information content of a change in the size of a bank’s loan portfolio. I find a positive (negative) stock market reaction to loan portfolio growth in high (low) earnings banks. I also find that the information content of loan growth depends on features of the bank, the loan, and the macroeconomic state. In particular, loan growth, in conjunction with earnings, conveys meaningful information about bank value for small banks only, for commercial loans, and during normal times. Further, I posit that if the market reaction conveys meaningful information about a bank’s v

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LaDue, Eddy L., and Kenneth C. Carraro. "The Effect of Interstate Banking on Farm Lender Market Shares in New York State." Northeastern Journal of Agricultural and Resource Economics 15, no. 1 (1986): 61–65. http://dx.doi.org/10.1017/s0899367x00001343.

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Commercial bank loans to New York farmers are significantly overestimated in the reported USDA statistics due to out-of-state lending and reporting of some agribusiness loans as agricultural loans by New York State banks. Correcting for this distortion lowers the 1978–84 average New York agricultural credit market share held by banks from 36 to 24 percent. As deregulation allows more interstate banking activity, the overestimate of agricultural loan volume in states with money center banks and the corresponding underestimate of loan levels and market shares in nonmoney center states could caus

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Adegbola, A. S., A. O. Ajayi-Owoeye, and Yimka S. A. Alalade. "Credit Management Practices and Loan Default in Deposit Money Banks (DMBs) in Osun State, Nigeria." South Asian Journal of Social Studies and Economics 18, no. 1 (2023): 37–47. http://dx.doi.org/10.9734/sajsse/2023/v18i1650.

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Background: Loan default has been shown in existing literature to have a negative impact on banks as it reduces the performance of banks and may lead to total collapse of these institutions. The high rate of default associated with loans in Nigerian banks is indicative of existing poor credit management practices by the banks. Aim: As such, this study examined the effect of credit management practices on loan default in deposit money banks in Osun State. Methods: The study employed the survey research design, using a well-structured questionnaire to collect responses of one hundred

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Pontius, Frederick W. "State Revolving Loan Fund Guidance Issued." Journal - American Water Works Association 89, no. 4 (1997): 18–172. http://dx.doi.org/10.1002/j.1551-8833.1997.tb08206.x.

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Pontius, Fred. "ARRA Boosts State Revolving Loan Funding." Journal - American Water Works Association 101, no. 5 (2009): 64–72. http://dx.doi.org/10.1002/j.1551-8833.2009.tb09889.x.

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21

Sonde, Dimeji R. "EFFECT OF ROAD TRANSPORT INFRASTRUCTURE AND SOFT LOANS ON FARMERS PRODUCTIVITY IN OGUN STATE, NIGERIA." Kampala International University Interdisciplinary Journal of Humanities and Social Sciences 4, no. 2 (2023): 148–62. http://dx.doi.org/10.59568/kijhus-2023-4-2-11.

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The challenges confronting rural areas especially among under-developed countries are enormous and cut across all spheres of life. Hard infrastructure such as road, machinery which could enhance accessibility to soft loans by farmers is in bad state. Previous literatures have focus on impact of road transport infrastructure on farmers’ productivity without holistic view on emphasis on effect of road transport infrastructure and soft loan infrastructure on farmers’ productivity. Therefore, this research will investigate impact of road transport infrastructure and soft loan on farmers’ productiv

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Zhang, Chengfeng, Qiao Wu, Huijuan Wang, et al. "Factors Affecting Campus Loans in Western China." SAGE Open 11, no. 2 (2021): 215824402110231. http://dx.doi.org/10.1177/21582440211023111.

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Campus loans have become a part of the lives of Chinese college students. While such loans are convenient for students, they can also create considerable difficulties. In the context of unbalanced economic development between Western and Eastern China, this study aimed to understand the factors affecting the campus loan behaviors of college students in Western China. A sample of 568 undergraduate and graduate students from four universities in Western China was taken as the research object. Binary logistic regression and orderly logistic regression were used to study campus loan consumption fa

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Singh, Suninder, Abhey Singh, Sumista Rani, and Mamta Rani. "Loan repayment behavior of beneficiary farmers in primary agricultural cooperative societies in Haryana (India)." Economic and Regional Studies / Studia Ekonomiczne i Regionalne 17, no. 2 (2024): 347–54. http://dx.doi.org/10.2478/ers-2024-0019.

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Abstract Subject and purpose of work The study examined the loan repayment behavior of beneficiary farmers in Primary Agricultural Cooperative Societies in the State of Haryana, India. Material and methods The findings were based on primary as well as secondary data. The secondary data was collected for the period of 2006-2007 to 2018-2019. The primary data was collected in the second quarter of 2022. Results The study concluded that year-wise the maximum percentage of defaulter farmers was 34.97% in 2008-2009 due to the debt relief scheme announced by the Government of India in 2008. Furtherm

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Aondover, Burbwa Philip, Ameh David Enemune, and Ogebe Francis Ozoko. "Analysis on Determinants of Loan Repayment among Rice Farmers in North-West Agricultural Zone of Benue State, Nigeria." Asian Journal of Advanced Research and Reports 19, no. 6 (2025): 198–210. https://doi.org/10.9734/ajarr/2025/v19i61053.

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In developing countries, the role of agricultural credit is closely related to providing the needed resources which farmers cannot source from their own available capital. Little or none of these studies examined the influence of socio-economic factors on loan repayment ability among rice farmers in the North-West agricultural zone of Benue State, Nigeria. This study is therefore intended to fill the existing gaps through investigating factors affecting loan repayment of rice farmers in the study area, as well as ascertaining which of these factors significantly influence loan repayment in the

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Usman, A. B., Babaji, A.U., and Muhammad, R. "PERFORMANCE OF COOPERATIVES AMONG FARMERS IN GOMBE STATE, NIGERIA." Nigerian Journal of Agriculture and Agricultural Technology 2, no. 2 (2022): 45–53. http://dx.doi.org/10.59331/njaat.v2i2.351.

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The study examined the performance of farmers’ cooperatives in Dukku local government area of Gombe State, Nigeria. Simple random sampling techniques was used in selecting 72 respondents from the study area. Data was collected using questionnaire. Sixty-three (63) questionnaires were returned and analyzed using both descriptive and inferential statistics. The result revealed that all the respondents were married, with majority (93.7%) being males. About 38.1% of the respondents fell within the age bracket of 41-50 and farming was their major occupation (77.8%), with 50.8% of the respondents ha

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SOKOLOV, A. S. "USSR BOND LOAN IN CZECHOSLOVAKIA (1935)." History and Modern Perspectives 6, no. 3 (2024): 88–92. http://dx.doi.org/10.33693/2658-4654-2024-6-3-88-92.

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The article examines the contacts between the Soviet Union and Czechoslovakia in the economic sphere in the 1930s. In the context of accelerated industrialization, the Soviet leadership faced the task of obtaining targeted loans. The article analyzes the experience of the USSR issuing a bond loan guaranteed by the government of the Czechoslovak Republic. The source base was documents stored in the Russian State Archive of Economics. These documents are devoted to the history of issuing government loan bonds intended to pay for orders from the trade mission of the USSR to Czechoslovak firms. Co

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Yin, Zhichao, Lei Meng, and Yezhou Sha. "DETERMINANTS OF AGRICULTURE-RELATED LOAN DEFAULT: EVIDENCE FROM CHINA." Buletin Ekonomi Moneter dan Perbankan 23 (January 31, 2020): 129–50. http://dx.doi.org/10.21098/bemp.v23i0.1160.

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This paper investigates agriculture-related loan default in 2002–2009 through a largedata set from a leading Chinese state-owned bank. Using logit regression, we findthe default rate on agriculture-related loans is significantly higher than that on non–agriculture-related loans. We find that base interest rates, loan maturity, the typeof collateral, firm size, ownership structure, and managerial quality rating have asignificant impact on agriculture-related loan default, but this also depends on howagriculture-related loans are defined. The results provide insight into the real impactof moneta

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Fedorova, A., R. Cherkashnev, and I. Esikova. "Estimation of the efficiency of the mechanism of bank crediting subjects of small and medium business." Bulletin of Science and Practice 4, no. 11 (2018): 313–22. https://doi.org/10.5281/zenodo.1488225.

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This article is devoted to the problem of the effectiveness of the mechanism of Bank lending to small and medium-sized businesses in Russia. The main purpose of the article is to determine the current state and assess the effectiveness of the mechanism of Bank lending to small and medium-sized businesses. During the analyzed period, there was an increase in the volume of loans to small and medium-sized businesses against the background of lower interest rates on loans, the total volume of increase in the loan portfolio of small and medium-sized businesses increased by 10%. Nevertheless, the up

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Ndanitsa, M. A., Adetunji, A. O., Mohammed, D., and Ndako, N. "EFFECTS OF AGRICULTURAL CREDIT DELIVERY ON INCOME OF ARABLE CROP FARMERS IN NIGER STATE OF NIGERIA." Journal of Agripreneurship and Sustainable Development 4, no. 1 (2021): 10–32. http://dx.doi.org/10.59331/jasd.v4i1.181.

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The study examined performance of agricultural credit delivery on income of arable crop farmers in Niger State, Nigeria. Multi-stage sampling technique was used for the study and data were collected using structured questionnaires and interview schedules from a total sample size of 326. Data were analyzed using descriptive statistics, simultaneous equation model and Chow test. The result revealed that 60% of the respondents were within the age brackets of 31 – 50 years with average age of 45 years. Most (78%) of the respondents cultivated 0.5 – 3.0 hectares. The determinants of agricultural cr

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Chaudhari, V. M., and Mayuri Farmer. "LOAN PURCHASE AND UTILIZATION BEHAVIOUR OF FARMERS IN A CREDIT COOPERATIVE SET-UP: A CASE STUDY OF GUJARAT STATE CO-OPERATIVE AGRICULTURAL AND RURAL DEVELOPMENT BANK LTD. (KHETI BANK)." Gujarat Journal of Extension Education 2022, no. 1 (2022): 67–79. http://dx.doi.org/10.56572/gjoee.2022.si.0014.

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Rural Co-operative credit system provide various loans to farmers for the improvement of their livelihood. The banks consider many parameters before sanctioning a loan to the farmers. Land holding is an important consideration while sanctioning an agriculture loan to a farmer, besides other parameters. Among the regular loan borrowers, it is better to understand their behaviour in terms of their land holdings. A primary research survey was conducted among 450 regular loan borrowers of The Gujarat State Co-Operative Agricultural & Rural Development Bank Ltd. (GSCARDB), from three different

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Nkwi, Gama E., G. T. Ahungwa, and K. T. Nkwain. "Analysis of factors influencing loan acquisition among small scale rice farmers in Kazaure Local Government Area, Jigawa State, Nigeria." Dutse Journal of Pure and Applied Sciences 8, no. 2b (2022): 87–97. http://dx.doi.org/10.4314/dujopas.v8i2b.10.

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The research was designed to analyze the factors that determine loan acquisition by rice farmers in Kazaure Local Government Area, Jigawa State, Nigeria. The study used primary data collected through interview schedule with the help of structured questionnaire from 215 randomly selected rice farmers. Data collected were analyzed using simple descriptive statistics and the appropriate form of multiple regression models. Results from the analysis showed that the farmers were in their active age, educated and experienced. About 69% of the farmers did not have access to formal loaned funds. Intere

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Ruan, Wenjuan, and Erwei Xiang. "Which companies find it easier to obtain bank loans? Evidence from China." Corporate Ownership and Control 10, no. 3 (2013): 389–401. http://dx.doi.org/10.22495/cocv10i3c3art5.

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The study investigates the determinants of bank loan financing of Chinese listed companies from 1996 to 2009. The empirical results suggest that the channels through which companies obtain bank loans are different. Companies controlled by the state can more easily obtain loans from state-owned commercial banks and policy banks, while privately controlled companies have significantly larger access to loans from foreign banks. The empirical results also show that political connectedness and institutional development are the significant determinants of the bank loan financing of private companies

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Sokolovska, Alla, Larysa Rainova, and Tetiana Zatonatska. "Loan and Grant Support for Students in the Context of the Diversification of Funding Sources for Higher Education." Ekonomika 98, no. 1 (2019): 111–23. http://dx.doi.org/10.15388/ekon.2019.1.7.

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[full article and abstract in English] This paper considers the mechanism of direct state support for students in European countries using loans and grants: their functions, forms, schemes, and conditions for provision. The peculiarities of the state preferential educational loan in Ukraine and the reasons for its curtailment since 2011 are determined. Nowadays, it is established that the main form of state support for Ukrainian students who receive higher education in public procurement comes with academic and social scholarships, whereas students who receive higher education under a contract

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Mohd Idres, Nurul Farhanah, Hasnah Haron, and Ishak Ismail. "FACTORS INFLUENCING THE INTENTION OF STATE FOUNDATION LOAN RECIPIENTS TO PAYBACK THE EDUCATION LOAN." Journal of Governance and Integrity 2, no. 2 (2020): 24–33. http://dx.doi.org/10.15282/jgi.2.2.2019.5465.

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The issues of loan repayment are still existing until today. One of the state foundations has reported the number of recipients that has not paid their loan are higher than the recipient who has done the repayment. Therefore, the main objective of this study is focusing on the factors that influences the recipient to pay back the loan. 48 questionnaires were distributed to the state foundation’s loan recipients and a small interview were also conducted. Findings showed that the respondents had the intention to repay their loan as they were aware of their responsibilities especially the recipie

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Riani, Lusiana Risma, and Mutamimah Mutamimah. "Model Peningkatan Kinerja Keuangan Berbasis Capital Adequacy Ratio (CAR) Pada Perbankan BUMN Di Indonesia." TIN: Terapan Informatika Nusantara 4, no. 3 (2023): 167–77. http://dx.doi.org/10.47065/tin.v4i3.4170.

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This study aims to determine the effect of Non Performing Loans (NPL) and Loan to Deposit Ratio (LDR) on Profitability with the Capital Adequacy Ratio (CAR) as an intervening variable in state-owned banks in Indonesia. This type of research is quantitative, which focuses on managing numerical data. The population in this study uses state-owned banks listed on the Indonesia Stock Exchange (IDX). The sample used in this study is the annual report of state-owned banks listed on the Indonesia Stock Exchange (IDX) in 2010-2021, while the sampling method in this study used a purposive sampling metho

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Lapishko, Mariіa, and Anna Vynnyk. "PROBLEMS OF THE LENDING MARKET OF UKRAINE UNDER THE CONDITIONS OF MARITAL STATE." Problems and prospects of economics and management, no. 3(31) (2022): 180–89. http://dx.doi.org/10.25140/2411-5215-2022-3(31)-180-189.

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Before the start of russia's large-scale invasion the demand for loans in Ukraine was caused by: the improvement of the macroeconomic situation in the country, a decrease in interest rates and gov-ernment programs to support entrepreneurship and mortgage lending. The insolvency of debtors dur-ing the war led to an increase in the volume of overdue loans and, as a result, a deterioration in the quality of banks' loan portfolios.The article systematizes the problems of the lending market that arose due to the military ac-tions in Ukraine, determines the priority of the introduction of anti-crisi

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Selzing, Peter Musa, Samuel Keghter Vihi, Philip Karik Tanko, E.A. Bassey, and Blessing Ochelle. "Analysis of Agricultural Loan Repayment Behaviour among Poultry Farmers in Jos South Local Government Area of Plateau State, Nigeria." INTERNATIONAL JOURNAL OF LIFE SCIENCE AND AGRICULTURE RESEARCH 02, no. 10 (2023): 357–65. https://doi.org/10.55677/ijlsar/V02I10Y2023-03.

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ABSTRACT This study examined agricultural loan repayment behaviour among poultry farmers in Jos south Local Government Area of Plateau State, Nigeria. In order to conduct the study, 136 poultry farmers were sampled. The study's respondents were chosen using a two-stage sampling technique. Descriptive and inferential statistics were applied to the primary data, which were gathered using a questionnaire and an interview schedule. According to survey results, the majority (65%) of respondents were men with a mean age of 44 years. The majority of respondents (90%) were married, and the average hou

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Ekowati, Maria Atik Sunarti, Endang Satyawati, Retno Palupi, and SM Santi Winarsih. "Pengembangan Prototype Sistem Informasi Simpan Pinjam Koperasi Pribadi Manjung Ngawen Klaten." JITU : Journal Informatic Technology And Communication 5, no. 1 (2021): 13–29. http://dx.doi.org/10.36596/jitu.v5i1.490.

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    The term cooperative comes from the foreign language co-operation. Cooperative means joint effort. A cooperative is a business unit that collects and distributes funds for members of the cooperative itself. One of the cooperative business units is a savings and loan cooperative. Each member of the Savings and Loans Cooperative must make savings in accordance with the cooperative's provisions. Members can make loans, managed transactions are member savings transactions and member loan transactions. Savings and loan cooperative funds come from cooperative members. Bec

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Burlison, Katherine Hall. "The Louisiana State Museum's Loan Resolution Project." Collections 9, no. 2 (2013): 171–80. http://dx.doi.org/10.1177/155019061300900205.

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Costello, John, and Charles Duffy. "Academic Interlibrary Loan in New York State:." Journal of Interlibrary Loan & Information Supply 1, no. 2 (1991): 41–43. http://dx.doi.org/10.1300/j472v01n02_06.

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Pathman, Donald E., Donald H. Taylor, Jr, Thomas R. Konrad, et al. "State Scholarship, Loan Forgiveness, and Related Programs." JAMA 284, no. 16 (2000): 2084. http://dx.doi.org/10.1001/jama.284.16.2084.

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Chamboko, Richard, and Jorge Miguel Bravo. "A Multi-State Approach to Modelling Intermediate Events and Multiple Mortgage Loan Outcomes." Risks 8, no. 2 (2020): 64. http://dx.doi.org/10.3390/risks8020064.

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This paper proposes a novel system-wide multi-state framework to model state occupations and the transitions among current, delinquency, default, prepayment, repurchase, short sale and foreclosure on mortgage loans. The approach allows for the modelling of the progression of borrowers from one state to another to fully understand the risks of a cohort of borrowers over time. We use a multi-state Markov model to model the transitions to and from various states. The key factors affecting the transition into various loan outcomes are the ability to pay as measured by debt-to-income ratio, equity

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I Wayan Budi Artha, I Putu Santika, and Surya Nugraha. "DETERMINAN LOAN AT RISK: MITIGASI DAN PENGELOLAANNYA." Journal of Applied Management and Accounting Science 5, no. 1 (2023): 52–66. http://dx.doi.org/10.51713/jamas.v5i1.103.

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The purpose of this study is to analyze and empirically prove the influence of company internal factors / Bank specific (capital and performance) and company external factors / macroeconomics (economic growth and inflation) on Loan at Risk (LAR), including mitigation and management models in state-owned banks. The research period is 2012 – 2021, the sampling technique is saturated sampling, all members of the population are used as samples. The results of the study show that the Loan at Risk of state-owned banks is influenced by performance, economic growth and inflation. Loan at Risk to be pr

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B. N, Mbam, Nwibo S. U, Nwofoke C, Egwu P. N, and Odoh N.E. "Analysis of Smallholder Farmers Repayment of Bank of Agriculture Loan in Ezza South Local Government Area of Ebonyi State, Nigeria (2009-2018)." International Journal of Sustainable Agricultural Research 8, no. 4 (2021): 198–208. http://dx.doi.org/10.18488/journal.70.2021.84.198.208.

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Smallholder farmer’s repayment of Bank of Agriculture (BOA) loan in Ezza South Local Government Area of Ebonyi State was studied using 120 smallholder farmer beneficiaries selected using multistage sampling technique. Data were collected from primary source only using structured questionnaire and analyzed using both descriptive and inferential statistics. Results showed default of 32.3% as out of N333, 997,620.50 were disbursed to the farmers a total of N226, 080,887.00 were repaid. However, the socioeconomic characteristics of the loan beneficiaries contributed about 75 % (R2 = 0.754) signifi

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Perevozova, Iryna, Oksana Malynka, Vitalii Nitsenko, Halyna Kryshtal, Viktoriia Kostiuk, and Vitaliia Mishchenko. "Analysis of Trends in Mortgage Lending in the Agricultural Sector of Ukraine." Journal of Risk and Financial Management 16, no. 5 (2023): 255. http://dx.doi.org/10.3390/jrfm16050255.

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This study has the following objectives: to analyze the state of agrarian business lending and the market of banking services, establish the reasons for the insufficient level of mortgage lending implementation, and develop ways and tools to improve lending to the agrarian sector. The research methodology considers a systematic approach to the statistical analysis of bank lending in the agricultural sector of Ukraine, the development of criteria, and the implementation of the hierarchy analysis method for the reasonable selection of a loan product and banking institution. We conducted an analy

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Узденов, М. О. "Evaluation of external and internal loan loan." Экономика и предпринимательство, no. 5(118) (June 11, 2020): 993–96. http://dx.doi.org/10.34925/eip.2020.118.5.206.

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В статье рассматривается понятие кредиторской задолженности с точки зрения влияние на финансовое состояние предприятия, проводится совокупность классификационных признаков кредиторской задолженности. Исходя из методик, представленных в экономической литературе, представлены основные направления анализа кредиторской задолженности. Представлены формулы для расчета показателей, позволяющих оценить состояние и возможность использования кредиторской задолженности в качестве источника финансирования. Предлагаются различные способы управления внешней и внутренней кредиторской задолженностью с целью п

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Xu, Bingbing, Huawei Shen, Bingjie Sun, Rong An, Qi Cao, and Xueqi Cheng. "Towards Consumer Loan Fraud Detection: Graph Neural Networks with Role-Constrained Conditional Random Field." Proceedings of the AAAI Conference on Artificial Intelligence 35, no. 5 (2021): 4537–45. http://dx.doi.org/10.1609/aaai.v35i5.16582.

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Consumer loans, i.e., loans to finance consumers to buy certain types of expenditures, is increasingly popular in e-commerce platform. Different from traditional loans with mortgage, online consumer loans only take personal credit as collateral for loans. Consequently, loan fraud detection is particularly critical for lenders to avoid economic loss. Previous methods mainly leverage applicant's attributes and historical behavior for loan fraud detection. Although these methods gain success at detecting potential charge-offs, yet they perform worse when multiple persons with various roles (e.g.,

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Adewale, Abass Adekunle, and Abass Adedolapo Adeyemo. "THE EFFECT OF MICROFINANCE BANK LOAN ON PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES IN NIGERIA." JUNE 2024 42, no. 2 (2024): 177–92. http://dx.doi.org/10.51380/gujr-40-02-04.

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This paper evaluates the impact of microfinance bank loans on small and medium enterprises (SMEs) in Osun State, Nigeria. The SMEs encounter major difficulties when trying to obtain financing, which hampers their growth and contributions to the economy. Microfinance banks are crucial as they provide essential financial services tailored for SMEs, facilitating economic growth. A descriptive survey design was used so as to collect data from 150 randomly selected SME operators across various sectors in the Osun State. The findings show that microfinance loans significantly enhance SME performance

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Krivonozhenko, Alexander. "Activities of Small Loan Inspectors in the Pre-Revolutionary Russia (Based on Materials from the Olonets Province)." Journal of Economic History and History of Economics 24, no. 4 (2023): 545–70. http://dx.doi.org/10.17150/2308-2488.2023.24(4).545-570.

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The study examined the main activities of small loan inspectors. This job position appeared in the structure of the State Bank with the beginning of the reform of the small loan system in 1904. Inspectors were assigned a significant role in its practical implementation. The study of the problem showed that the absence of a local branch of the State Bank in the Olonets province at the beginning of the twentieth century. technically made it impossible for the position of small loan inspector to appear in the province. This has become a noticeable factor in the slow development of this system her

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O. I., Ettah, and Ebu B. O. "DETERMINANTS OF AGRICULTURAL LOAN ACCESS FROM FORMAL SOURCES IN CROSS RIVER STATE CENTRAL AGRICULTURAL ZONE, NIGERIA." International Journal of Research -GRANTHAALAYAH 6, no. 5 (2018): 1–8. http://dx.doi.org/10.29121/granthaalayah.v6.i5.2018.1414.

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Formal agricultural loan is an important tool in agricultural development and key to agricultural modernization. This is because this source of loans enables farmers to have access to production inputs as well as adopt modern farm technologies. For agricultural development to be achieved and sustained, agricultural loan is required especially in the rural areas where majority of the populace are engaged in agriculture. The study set out to analyse the determinants of agricultural loan access from formal sources in Cross River State central agricultural zone, Nigeria and proffer policy recommen

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