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1

Santini, Inawati. "WANPRESTASI PEMBAYARAN KLAIM ASURANSI JIWA AKIBAT KELALAIAN PENYERAHAN BERKAS OLEH MITRA PENANGGUNG SEBAGAI KOLEKTOR PENGAJUAN KLAIM (Studi Kasus Sertifikat Asuransi Polis Nomor 15.001673)." UNES Law Review 1, no. 2 (2018): 184–98. http://dx.doi.org/10.31933/law.v1i2.26.

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 At this time many banks are incentive to lure consumer credit to consumers. In general, consumer loan interest rate is higher than productive credit, even there is a fixed rate. It seems that the fixed rate makes it easy to organize family finances, paying only monthly installments of the same amount, but if carefully calculated, the interest is much higher. Consumer Loan Protection with Insurance Policy Certificate 15.001673 is a life insurance product that guarantees repayment of the remaining amount of Loans and / or monthly loan installment of the Customer as Participa
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Gurung, Jas Bahadur. "Insureds’ Perception towards Insurance Services in Pokhara." REPOSITIONING The Journal of Business and Hospitality 1 (November 20, 2016): 23–36. http://dx.doi.org/10.3126/repos.v1i0.16040.

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The basic objective of this study is to analyze the perception or opinion of Insured on the services provided by the insurers, agents and surveyors in Pokhara valley. Study shows 71.57 percent respondents agreed insurance creates awareness among people. Similarly, 73.53 percent respondents agreed it also provides social security. Regarding interest rates on loan, 57.43 percent respondents are indifferent on their opinion that whether the rate of interest on loan is cheaper or not but 30.69 percent are agreed that interest on loan is cheaper. Sixty-six point six seven percent respondents are ne
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Root, Hilton L., Mark Andrew Abdollahian, and Jacek Kugler. "In Korea, the Thirst for Funds Drives Change." Review of Pacific Basin Financial Markets and Policies 05, no. 01 (2002): 1–30. http://dx.doi.org/10.1142/s0219091502000717.

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It is widely acknowledged that Korea will not be secure against future economic crisis without structural reform of finance, enterprise and labor markets. Real reform requires a transfer of authority from the government to market-based institutions, forcing banks to take full responsibility for the loans they authorize. Before the crisis, the government implicitly insured depositors' bank loans made to the large conglomerates, leaving banks little incentive to develop the necessary skills in credit analysis and loan monitoring. The insured agents did not take proper care to manage their risks.
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Shkodrova, Ina. "Life Insurance as Collateral for Bank Credit." International conference KNOWLEDGE-BASED ORGANIZATION 26, no. 2 (2020): 99–103. http://dx.doi.org/10.2478/kbo-2020-0060.

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AbstractThis article will cover issues related to the obligations of the parties to the contract and the subject of the insurance contract concluded in connection with a bank loan agreement. Who are the parties to the contract and who benefits from the insured amount when the insured event occurs? What is the purpose, what does the Insurance Code provide and how does it guarantee the creditor’s rights? Insurance as additional collateral for the bank.
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Kopkin, Nolan. "The conditional spatial correlations between racial prejudice and racial disparities in the market for home loans." Urban Studies 55, no. 16 (2018): 3596–614. http://dx.doi.org/10.1177/0042098018755086.

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Many studies have shown the existence of disparities in loan denial rates between blacks and whites that cannot be accounted for by observable applicant characteristics. Examining the link between racial gaps in home loan denial rates and prejudicial attitudes toward blacks measured by questions in the General Social Survey, this article shows not only that blacks are more likely to be denied conventional home mortgages but that denial rates among blacks for these loans are also geographically correlated with racial prejudice, particularly among first-lien home purchase loans and loans from de
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Kvanina, V. V., and M. N. Lokteva. "About Certain Issues of Hard Selling of Insurance Services when Concluding a Loan Agreement: Law and Practice." Courier of Kutafin Moscow State Law University (MSAL)), no. 7 (September 23, 2022): 94–102. http://dx.doi.org/10.17803/2311-5998.2022.95.7.094-102.

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Based on the analysis of materials of law enforcement practice on the issue of imposing additional insurance services on the borrower at the conclusion of a loan agreement, the most typical cases of violation of the borrower’s rights regarding compliance with their right to refuse additional insurance services, including life and/or health insurance of the borrower, have been identified; providing the borrower with a consumer loan on the same terms if the borrower has independently insured his life, health/ other insurance interest in favor of the lender from the insurer that meets the criteri
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Flannery, Mark J. "Capital regulation and insured banks choice of individual loan default risks." Journal of Monetary Economics 24, no. 2 (1989): 235–58. http://dx.doi.org/10.1016/0304-3932(89)90005-6.

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Dewi, I. Gusti Agung Mas Cahyani, Anak Agung Sagung Laksmi Dewi, and Ni Made Puspasutari Ujianti. "Kedudukan Hukum Perjanjian Kredit dalam Hal Objek Jaminan Fidusia Musnah." Jurnal Preferensi Hukum 1, no. 1 (2020): 228–33. http://dx.doi.org/10.22225/jph.1.1.2166.228-233.

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Crediting activities can be carried out by anyone who has the ability to initiate a loan agreement between the creditor / creditor and the recipient of the loan / debtor, this is regulated in article 8 of the Banking Act. This study aims to analyze the legal position in the credit agreement if the fiduciary collateral object is destroyed, and analyze efforts to resolve disputes due to the destruction of the fiduciary collateral object. The method used is an empirical method with the approach of legal sociology. The results showed that the legal position of the credit agreement if the fiduciary
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Kim, Kevin Nooree, and Ani L. Katchova. "Impact of the Basel III bank regulation on US agricultural lending." Agricultural Finance Review 80, no. 3 (2020): 321–37. http://dx.doi.org/10.1108/afr-11-2019-0124.

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Purpose Following the recent global financial crisis, US regulatory agencies issued laws to implement the Basel III accords to ensure the resiliency of the US banking sector. Theories predict that enhanced regulations may alter credit issuance of the regulated banks due to increased capital requirements, but the direction of changes might not be straightforward especially with respect to the agricultural loans. A decrease in credit availability from banks might pose a serious problem for farmers who rely on bank credit especially during economic recessions. The paper aims to discuss these issu
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Tang, Chunhua, Huiyuan Zhang, and Jiamuyan Xie. "Optimal Contract Design in Contract Farming under Asymmetric Effort Information." Sustainability 14, no. 22 (2022): 15000. http://dx.doi.org/10.3390/su142215000.

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This paper studies the contract design, optimal financing, and pricing decision of the leading agricultural enterprise when the level of effort of the farmer is private information. We use buyer direct finance and add agricultural income insurance to transfer risks to overcome the farmer’s loan difficulty and contract default caused by information asymmetry. We design four kinds of contracts, including the uninsured and symmetric information contract (SN contract), the uninsured and asymmetric information contract (AN contract), the insured and symmetric information contract (SY contract), and
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Jiang, Shan, and Chen L. Miller. "International Real Estate Review." International Real Estate Review 22, no. 2 (2019): 169–96. http://dx.doi.org/10.53383/100279.

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Reverse mortgages generally have open maturity dates. The variability of the exact termination time of a mortgage is one of the most important risks faced by the lenders and mortgage insurers. This paper analyzes the termination experience of reverse mortgages in the United States (US). We find that reverse mortgages can be terminated by three distinct events: refinancing, mortality and mobility. Using the Federal Housing Administration (FHA) insured Home Equity Conversion Mortgage (HECM) loan data, we estimate the probability of the termination through individual events. The results show that
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Calavita, Kitty, and Henry N. Pontell. "“Heads I Win, Tails You Lose”: Deregulation, Crime, and Crisis in the Savings and Loan Industry." Crime & Delinquency 36, no. 3 (1990): 309–41. http://dx.doi.org/10.1177/0011128790036003002.

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This study examines fraud in the savings and loan industry as a case study of white-collar crime. Drawing from extensive government reports, Congressional hearings, and media accounts, the study categorizes three types of savings and loan crime and traces them to the competitive pressures unleashed by deregulation in the early 1980s, within the context of a federally protected, insured industry. In addition, the study delineates the limitations of the enforcement process, focusing on the ideological, political, and structural forces constraining regulators. Although savings and loan crime is i
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Gebrekidan, Tnsue, and Lyu Kaiyu. "Effect of index-based livestock insurance on loan uptake." Agricultural Finance Review 79, no. 4 (2019): 426–42. http://dx.doi.org/10.1108/afr-09-2018-0078.

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Purpose The purpose of this paper is to weigh up the effect of index-based livestock insurance (IBLI) on loan take up behavior of the pastoral households in the Borena zone of Southern Ethiopia. Although the insurance was introduced over the last decade and it appears to have promising welfare benefit, there is a lack of pragmatic evidence on its effect in leveraging the household’s future wealth for the hope of better productivity in the present. Design/methodology/approach The authors analyze household-level unique panel data collected in three rounds using descriptive statistics and the fix
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Zhao, Fang, and James Moser. "Bank Lending and Interest- Rate Derivatives." International Journal of Financial Research 8, no. 4 (2017): 23. http://dx.doi.org/10.5430/ijfr.v8n4p23.

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Using data that cover a full business cycle, this paper documents a direct relationship between interest-rate derivative usage by U.S. banks and growth in their commercial and industrial (C&I) loan portfolios. This positive association holds for interest-rate options contracts, forward contracts, and futures contracts. This result is consistent with the implication of Diamond’s model (1984) that predicts that a bank’s use of derivatives permits better management of systematic risk exposure, thereby lowering the cost of delegated monitoring, and generates net benefits of intermediation serv
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Nowak, Katarzyna. "Niepewność interpretacyjna zapisów ochrony ubezpieczeniowej konsumentów ubezpieczeń na życie oferowanych do kredytów mieszkaniowych na przykładzie wybranych ofert." Finanse i Prawo Finansowe 3, no. 31 (2021): 89–105. http://dx.doi.org/10.18778/2391-6478.3.31.06.

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Bundled package of home loans and insurance are a natural phenomenon. Banks treat insurance as the primary security for the credit. For the consumer–borrower can help in financial difficulty. The purpose of insurance added to the loan is to reduce the risk of inability of borrowers to pay back their loans to banks and to ensure the safety of the insured or beneficiary of the insurance policy Therefore, insurance added to the loans should effectively protect borrowers. However, bundled package entails the risk of mismatching the insurance cover with the individual policy-holder insurance needs.
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Taylor, Greg. "Modelling Mortgage Insurance Claims Experience: A Case Study." ASTIN Bulletin 24, no. 1 (1994): 97–129. http://dx.doi.org/10.2143/ast.24.1.2005084.

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AbstractMortgage insurance indemnifies a mortage lender against loss on default by the borrower. The sequence of events leading to a claim under this type of insurance is relatively complex, depending not only on the credit worthiness of the borrower but also on a number of external economic factors.Prominent among these external factors are the loan to valuation ratio of the insured loan, the disposable income of the borrower, and movements in property values. A broad theoretical model of the functional dependencies of claim frequency and average claim size on these variables is established i
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Francke, M. K., and F. P. W. Schilder. "Losses on Dutch residential mortgage insurances." Journal of European Real Estate Research 7, no. 3 (2014): 307–26. http://dx.doi.org/10.1108/jerer-01-2014-0008.

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Purpose – This paper aims to study the data on losses on mortgage insurance in the Dutch housing market to find the key drivers of the probability of loss. In 2013, 25 per cent of all Dutch homeowners were “under water”: selling the property will not cover the outstanding mortgage debt. The double-trigger theory predicts that being under water is a necessary but not sufficient condition to predict mortgage default. A loss for the mortgage insurer is the result of a default where the proceedings of sale and the accumulated savings for postponed repayment of the principal associated to the loan
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Saputri, Inggit Eka. "Faktor – Faktor yang Mempengaruhi Minat Nasabah terhadap Produk Gadai Emas pada PT Bank Syariah Indonesia KCP Medan Setia Budi." Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah 5, no. 1 (2022): 334–40. http://dx.doi.org/10.47467/alkharaj.v5i1.1207.

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 Pawn gold is a loan facility with a gold guarantee to obtain cash with a high estimate, low and easy costs, can be automatically extended, stored safely and insured online or offline services. This study aims to find out what are the factors that influence customer interest in gold pawning products. The marketing mix in this research is location, promotion and service. With this type of qualitative research using descriptive methods, the results show that the three marketing mix of pawning gold promotions are the most dominant in influencing customer interest in pawning gold products.&#
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Tolani, Sanjay, Ananth Rao, Genanew B. Worku, and Mohamed Osman. "System and neural network analysis of intent to buy and willingness to pay insurance premium." Managerial Finance 45, no. 1 (2019): 147–68. http://dx.doi.org/10.1108/mf-04-2018-0156.

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Purpose The purpose of this paper is to analyze significant determinants to assess the probability of insureds’ intent to buy (ITB) insurance and willingness to pay (WTP) quantum of dollars for security benefits. Design/methodology/approach The authors use the Double Hurdle Model (DHM) and Neural Network (NN) architecture to analyze the insureds’ behavior for ITB and WTP. The authors apply these frameworks to all the 503 insureds of a branch of a leading insurer in the United Arab Emirates. Findings The DHM identified age, loans & liabilities, body mass index, travel outside the UAE, salar
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Cox, Raymond A. K., Randall K. Kimmel, and Grace W. Y. Wang. "Equity Capital as a Safety Cushion in the US Banking Sector." International Journal of Economics and Finance 8, no. 9 (2016): 50. http://dx.doi.org/10.5539/ijef.v8n9p50.

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<p>The incidence of US bank failures soared in the financial crisis and economic recession starting in 2008. Financial regulations promulgated by the Federal Reserve and issued through the Basel III Accord raised the minimum equity capital requirements of banks. The intent of the increase in equity capital was to serve as a greater safety cushion to reduce the probability of failure. The purpose of this study is to examine the financial statement variables that distinguish failed (zero equity capital) and nonfailed US banks. The methods employed to investigate our research question are:
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Durkin, Thomas A., Gregory Elliehausen, and Thomas W. Miller, Jr. "Consumers and Guaranteed Asset Protection (GAP Protection) on Vehicle Financing Contracts: A First Look." Finance and Economics Discussion Series, no. 2022-062 (September 2022): 1–23. http://dx.doi.org/10.17016/feds.2022.062.

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Guaranteed Asset Protection (GAP) shields purchasers from financial risks of losses exceeding insured collateral values if vehicles become total losses. Yet surprisingly little is known about the sales of this product or consumers’ attitudes toward it. In this study, we report the results of a representative national survey conducted by the Survey Research Center (SRC) of the University of Michigan. The SRC interviewed 1,206 individuals in the fall of 2020. This survey shows that consumers purchased GAP in about 39 percent of financed vehicle transactions. Consumers purchase GAP more often whe
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Jalbert, Terrance, Jonathan D. Stewart, and Terry Pope. "How Do Minimum Payment Changes Affect Credit Card Arbitrage?" Journal of Applied Business Research (JABR) 28, no. 3 (2012): 385. http://dx.doi.org/10.19030/jabr.v28i3.6956.

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This paper examines how changes in the minimum payment percentage and effective maturity of introductory offers affect credit card arbitrage. Credit Card arbitrage involves taking a cash advance on, or making purchases against, a credit card that offers a low or zero percent introductory interest rate. The proceeds are deposited into a Federal Deposit Insurance Corporation (FDIC) insured money market account. Profits from this strategy are dependent on factors including the minimum payment due on the credit card each month. Recently, under pressure from the U.S. Office of the Comptroller of th
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Jovanović, Slobodan. "Credit card insurance." Tokovi osiguranja 38, no. 2 (2022): 52–74. http://dx.doi.org/10.5937/tokosig2202052j.

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This paper first briefly discusses the legal nature and legal framework of the loan and credit card agreement, its specific mandatory elements, and the relationship between such agreement and the credit card insurance agreement, followed by particular aspects of a credit card, its economic importance, and wide spread presence. The second part of the paper deals with the classification of this non-life insurance service, and the nature and scope of risks covered by insurance. The accessory nature of the contract for credit card insurance is pointed out. The author divides the insurance of the c
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Shah, Moazzum, та Ghulam Hussain Babar. "عقد رہن کی معاصر اطلاقات کا شرعی جائزہ Shariah Analysis of Modern Applications of the Pledge Contract". Al-Wifaq, № 4.2 (31 грудня 2021): 67–82. http://dx.doi.org/10.55603/alwifaq.v4i2.u5.

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Rahn Literally means to detain something. From shariah's point of view, Rahn is the security that can be lawfully employed for the satisfaction of claim in respect of a debt. In Rahn, real or corporeal property of material value is pledged as security of debt. This is a contract that protects the rights of parties entering into a financial agreement. On the one hand, it enables the debtor to get a loan to fulfil his financial needs by providing security to the Creditor against the debt. On the other hand, this contract protects the right of the creditor and saves him to incur a financial loss
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Nepali, Brinda. "Farmers’ perception on status of livestock insurance in Surkhet district, Nepal." Journal of Agriculture and Natural Resources 4, no. 2 (2021): 111–23. http://dx.doi.org/10.3126/janr.v4i2.33679.

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Livestock is an important sector for sustained livelihoods of Nepalese people, particularly for small holder farmers. However, occurrence of any disease or disaster may get livestock as the source of sufferings. Livestock insurance can come up as an effective tool for risk management in livestock sector. This study covers the current status and perception of the farmers on livestock insurance. A total of 45 livestock farmers were selected purposively from three municipalities (15 from each municipality) in Surkhet district as Birendranagar Municipality (Birendranagar, Saldada), Bheriganga Muni
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Hudson, Janella, Rachel Ungar, Laurie Albright, Rifky Tkatch, James Schaeffer, and Ellen R. Wicker. "Robotic Pet Use Among Community-Dwelling Older Adults." Journals of Gerontology: Series B 75, no. 9 (2020): 2018–28. http://dx.doi.org/10.1093/geronb/gbaa119.

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Abstract Objective The primary purpose of this study was to explore the efficacy of robotic pets in alleviating loneliness for older adults. Method Self-reported lonely individuals with AARP Medicare Supplement plans insured by UnitedHealthcare who participated in a program with a robotic pet (n = 20) were recruited to participate in semi-structured interviews. Participants were asked to provide feedback about their experiences interacting with a robotic pet, their perceptions about the potential impact on loneliness, and recommendations for improving the program. Interviews were audio-recorde
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Dacev, Nikola. "DEVELOPMENT OF BANK ASSURANCE IN THE REPUBLIC OF MACEDONIA." KNOWLEDGE INTERNATIONAL JOURNAL 30, no. 1 (2019): 93–98. http://dx.doi.org/10.35120/kij300193d.

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Banking has gained a new dimension throughout the world in the last few decades due to the integration of global financial markets, the development of new technologies, the universalization of banking operations and diversification into non-banking activities. The merging of various financial services has provided synergies in the banks' operations and development of new concepts. One of these concepts is bank insurance (or banc assurance). Banc assurance, as an emerging distribution channel of insurance, essentially is defined as mediation of banks in the sale of insurance policies issued by
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Rao, N. Maruti. "Farmers perception and awareness about agriculture insurance scheme – a study of north karnataka." Journal of Management and Science 10, no. 3 (2021): 33–40. http://dx.doi.org/10.26524/jms.10.11.

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Agriculture is considered the backbone of Indian economy. The agriculture sector determines the growth and sustainability of Indian economy. About 52% of India’s workforce and 21% of India’s population still relies on agriculture for employment and livelihood. In spite of this, 197 farmers had committed suicide in 2015 in Karnataka (till September) and North-Karnataka accounted for 25 percent of such suicide cases compared to an average of 15 percent in remaining 5 regions of Karnataka (as per political map of Karnataka). As per the officials from agriculture department, none of the farmers wh
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Pysmenna, Tetiana. "INSURANCE OF FINANCIAL RISKS OF BUSINESS ENTITY: FROM THEORY TO PRACTICE." Economic Analysis, no. 27(3) (2017): 151–58. http://dx.doi.org/10.35774/econa2017.03.151.

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The subject of the study is the theoretical and practical principles of insurance of financial risks of the subject of economic activity. The purpose of the study is to substantiate the theoretical foundations and analyse the practice of financial risk insurance of the entity. It is established that the essence of insurance of financial risks can be formulated in different ways. Often, under this notion we consider the protection of the property interests of the entity in the event of financial risks in its activities, which is carried out at the expense of the insurance company's funds formed
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Marr, Ana, Anne Winkel, Marcel van Asseldonk, Robert Lensink, and Erwin Bulte. "Adoption and impact of index-insurance and credit for smallholder farmers in developing countries." Agricultural Finance Review 76, no. 1 (2016): 94–118. http://dx.doi.org/10.1108/afr-11-2015-0050.

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Purpose – The purpose of this paper is to review the most recent scientific literature on the determinants explaining the demand for index-insurance, the impact of index-insurance and the existing links between insurance and credit. In this meta-analysis, the authors identify key discoveries on the potential of index-insurance in enhancing credit supply for smallholders and thus farm productivity. Design/methodology/approach – Following a systematic literature search in Scopus and Web of Science, relevant empirical articles were identified by using the following criteria search algorithm: “ins
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UMAROV, Hasan S., and Husan S. UMAROV. "Assessment of a company by a credit insurer to establish a credit limit." Economic Analysis: Theory and Practice 21, no. 8 (2022): 1518–40. http://dx.doi.org/10.24891/ea.21.8.1518.

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Subject. The article considers the peculiarities of company analysis for the purposes of making optimal management decisions by insurers (clients of credit insurers), when working with counterparties on deferred payment terms. Objectives. The aim is to disclose the process of analysis of financial and non-financial indexes of the company to simulate business processes and identify promising areas of its development. Methods. The study rests on comparative, statistical, formal-logical methods of research. Results. The paper presents a detailed analysis of financial results and some non-financia
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Крюкова, Елена. "LEGAL REMEDIES FOR PREVENTING DISCRIMINATION ON GENETIC CHARACTERISTICS IN THE INSURANCE SPHERE." Rule-of-law state: theory and practice 16, no. 2 (2020): 31–43. http://dx.doi.org/10.33184/pravgos-2020.2.4.

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The article analyzes the norms of Russian and foreign legislation regarding the prohibition of discrimination on genetic characteristics in the insurance sector. The article reviews the problem of increasing the risks of insurance companies to have large payments in the future and the unaccounted load on the remaining insured persons due to the lack of complete and reliable genetic information about the insurance body. Aim: a comprehensive analysis of Russian legislation in terms of the possibility of insurers using genetic information about the insured. Methods: empirical methods of compariso
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Chang, Chuen-Ping, Shi Chen, and Jyh-Jiuan Lin. "Shadow banking and life insurance policyholder protection." Argumenta Oeconomica 2022, no. 2 (2022): 199–218. http://dx.doi.org/10.15611/aoe.2022.2.10.

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This paper develops a life insurance liability valuation model that integrates the balance-sheet insurer loans with the shadow banking entrusted loans in a premature default risk environment. It is shown that the life insurance policyholder significantly benefits from the entrusted loan activities in a less likely premature default risk environment. The policyholder protection is increased in accord with a high guaranteed interest rate, particularly when the life insurance company has ample access to entrusted loans. The policyholder protection is also significantly increased by a high partici
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Gallenstein, Richard A., Khushbu Mishra, Abdoul G. Sam, and Mario J. Miranda. "Willingness to Pay for Insured Loans in Northern Ghana." Journal of Agricultural Economics 70, no. 3 (2019): 640–62. http://dx.doi.org/10.1111/1477-9552.12317.

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Peng, Chien-Chih, and Heather Dufour. "Case Study: Asset and Liability Management at Cumberland Valley National Bank & Trust." Journal of Finance Issues 5, no. 2 (2007): 246–55. http://dx.doi.org/10.58886/jfi.v5i2.2630.

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Asset and liability management is the financial risk management practiced at financial institutions. The goal of asset and liability management is to maximize the risk-adjusted returns to shareholders over the long run. Credit risk is a very important risk category in banking because bankers usually manage credit risk on daily basis. How credit administration and asset and liability management should be coordinated to insure proper returns to shareholders is a critical issue to examine. This issue involves both the loan origination process and loan portfolio diversification. The loan originati
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Lorenzo, Giovanna Di, and Massimiliano Politano. "The Covid-19 Effect on Security Mortgage Valuation." Journal of Statistics: Advances in Theory and Applications 25, no. 1 (2021): 13–26. http://dx.doi.org/10.18642/jsata_7100122193.

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The reverse mortgage market has been expanding rapidly in developed economies in recent years. Reverse mortgages provide an alternative source of funding for retirement income and health care costs. We often hear the phrase “house rich and cash poor” to refer the increasing number of elderly persons who hold a substantial proportion of their assets in home equity. Reverse mortgage contracts involve a range of risks from the insurer’s perspective. When the outstanding balance exceeds the housing value before the loan is settled, the insurer suffers an exposure to crossover risk induced by three
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Jaffee, Dwight M. "Symposium on Federal Deposit Insurance for S&L Institutions." Journal of Economic Perspectives 3, no. 4 (1989): 3–9. http://dx.doi.org/10.1257/jep.3.4.3.

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Federal deposit insurance was introduced to eliminate the bank runs of the Great Depression: the FDIC (Federal Deposit Insurance Corporation) was created in 1933 to insure commercial bank deposits, and the FSLIC (Federal Savings and Loan Insurance Corporation) was created in 1934 to insure savings and loan association (S&L) deposits. Following a decade of neglect, the Bush administration and Congress moved early in 1989 to resolve the most serious problems yet to confront federal insurance of U.S. bank deposits. How did S&L losses expand so rapidly and unexpectedly? How should FSLIC be
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Bogataj, David, Valerija Rogelj, Marija Bogataj, and Eneja Drobež. "Housing equity withdrawal for development of assisted-living facilities." Facilities 38, no. 9/10 (2020): 651–90. http://dx.doi.org/10.1108/f-10-2018-0125.

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Purpose The purpose of this study is to develop new type of reverse mortgage contract. How to provide adequate services and housing for an increasing number of people that are dependent on the help of others is a crucial question in the European Union (EU). The housing stock in Europe is not fit to support a shift from institutional care to the home-based independent living. Some 90% of houses in the UK and 70%–80% in Germany are not adequately built, as they contain accessibility barriers for people with emerging functional impairments. The available reverse mortgage contracts do not allow fo
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39

Kaufman, George G., and R. Dan Brumbaugh Jr. "The Collapse of Federally Insured Depositories: The Savings and Loans as Precursor." Journal of Finance 49, no. 2 (1994): 754. http://dx.doi.org/10.2307/2329175.

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40

D’Amato, Valeria, Emilia Di Lorenzo, and Marilena Sibillo. "Dread Disease and Cause-Specific Mortality: Exploring New Forms of Insured Loans." Risks 6, no. 1 (2018): 13. http://dx.doi.org/10.3390/risks6010013.

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Ahmad, Ammar Shihab. "The Role Of Insurance Companies in Financing Investment Comparative Study between Qatar Commercial Company and Qatar Islamic Insurance Company." Journal of University of Human Development 4, no. 3 (2018): 8. http://dx.doi.org/10.21928/juhd.v4n3y2018.pp8-18.

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Insurance companies are one of the most important financial institutions in the financial sector, as they play a very important role of transferring the risk from the weak side of the (insured) who can be a natural person and Omnawi to the most able to bear the risk of the (insured) The insurance company, and hence when the insured contract with the insured receives compensation when the risk agreed by the insurance company in return for payment of insurance premiums for the company, and this role is important in the continuity of the insured in the exercise of their economic and social activi
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Sokolova, Ekaterina Vladimirovna, Tatyana Vladimirovna Kotova, and Elena Vladimirovna Chernikina. "Insurance innovation with mortgage loan." Vestnik of Astrakhan State Technical University. Series: Economics 2020, no. 1 (2020): 139–48. http://dx.doi.org/10.24143/2073-5537-2020-1-139-148.

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The article highlights the problem of digital transformation of the insurance sector, which can facilitate the effective interaction of all participants, increase information transparency and improve the quality of analytical data, optimize the business processes of insurers, and involve a wider range of insurance services in the online environment. To simplify the work with customer data in the processes of automated data collection, analysis and storage, it is necessary to create 
 a single database. Such a base can be an insurance history bureau. The development strategy of the insuran
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Gallenstein, Richard A., Jon Einar Flatnes, John P. Dougherty, Abdoul G. Sam, and Khushbu Mishra. "The impact of index‐insured loans on credit market participation and risk‐taking." Agricultural Economics 52, no. 1 (2021): 141–56. http://dx.doi.org/10.1111/agec.12611.

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WIDJANARTO, HASWAR. "PERLINDUNGAN HUKUM TERHADAP PARA PIHAK ATAS MUSNAHNYA BENDA JAMINAN FIDUSIA DALAM PERJANJIAN KREDIT BANK." CENDEKIA: Jurnal Ilmu Pengetahuan 2, no. 2 (2022): 114–25. http://dx.doi.org/10.51878/cendekia.v2i2.1189.

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ABSTRAK Setelah dikeluarkannya Undang Undang No 42 Tahun 1999 tentang jaminan fidusia, dunia jaminan fidusia semakin menarik perhatian para pelaku bisnis pembiayaan dan kalangan perbankan. Pada saat dikeluarkan Undang Undang tersebut diharapkan dapat memberikan perlindungan hukum kepada para pihak dan memberikan kepastian hukum. Namun, masih ada beberapa kelemahan dari Undang Undang No 42 tahun 1999 tentang jaminan fidusia. Undang Undang tersebut kurang memberikan perlindungan hukum dan kepastian hukum sehingga belum sepenuhnya terwujud sebagaimana politik hukum Undang Undang No. 42 tersebut.
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MYSLIMI, Grisejda, Emirgena NIKOLLI, and Joana SHIMA. "Challenges of agricultural insurance development in Albania." Economicus 21, no. 2 (2022): 31–42. http://dx.doi.org/10.58944/qocp5468.

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Agricultural production is exposed to natural risks that cannot be prevented and lead not only to production losses but also to a decrease in farmers’ income.As a result of these risks, farmers often do not have the opportunity to pay their loans. Against risky borrowers, credit institutions refuse to give loans. Under these conditions, the government must intervene in risk management, trying to reduce these negative effects. The provision of agricultural products as one of the most important instruments for the financial support of this sector will be the focus of this paper. Agricultural ins
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Lin, Jyh-Horng, Shi Chen, and Fu-Wei Huang. "Political connections, government capital injection, and deposit insurance premium." International Journal of Managerial Finance 15, no. 1 (2019): 2–18. http://dx.doi.org/10.1108/ijmf-12-2017-0271.

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PurposeThe purpose of this paper is to develop a capped barrier option framework to consider the politically preferential treatment for bank loans incentivized by government capital injections and calculate loan-risk sensitive insurance premiums.Design/methodology/approachThis paper takes a capped barrier option approach to the market valuation of the equity of the bank and the liability of the deposit insurer. The cap demonstrates the dynamics of a politically connected borrowing firm’s asset and highlights the truncated nature of loan payoffs. The barrier addresses that default can occur at
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Johnson, Taylor R., Alexander Nguyen, Kush Shah, and Grant D. Hogue. "Impact of Insurance Status on Time to Evaluation and Treatment of Meniscal Tears in Children, Adolescents, and College-Aged Patients in the United States." Orthopaedic Journal of Sports Medicine 7, no. 10 (2019): 232596711987507. http://dx.doi.org/10.1177/2325967119875079.

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Background: The meniscus is vital for load bearing, knee stabilization, and shock absorption, making a meniscal tear a well-recognized sport-related injury in children and young adults. An inverse relationship between the quality and value of orthopaedic care provided and the overall treatment cycle exists in which delayed meniscal tear treatment increases the likelihood of unfavorable outcomes. Although a majority of children and young adults have health insurance, many athletes within this demographic still face significant barriers in accessing orthopaedic services because of insurance type
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Senft, Jonas D., Michel Wensing, Regina Poss-Doering, Joachim Szecsenyi, and Gunter Laux. "Effect of involving certified healthcare assistants in primary care in Germany: a cross-sectional study." BMJ Open 9, no. 12 (2019): e033325. http://dx.doi.org/10.1136/bmjopen-2019-033325.

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ObjectivesGrowing prevalence of chronic diseases and limited resources are the key challenges for future healthcare. As a promising approach to maintain high-quality primary care, non-physician healthcare professionals have been trained to broaden qualifications and responsibilities. This study aimed to assess the influence of involving certified healthcare assistants (HCAs, German: Versorgungsassistent/in in der Hausarztpraxis) on quality and efficacy of primary care in Germany.DesignCross-sectional study.SettingPrimary care.ParticipantsPatients insured by the Allgemeine Ortskrankenkasse (AOK
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Jayasuriya Daluwathumullagamage, Dulani. "Icarus of the 21st century: bond/monoline insurance." Qualitative Research in Financial Markets 14, no. 1 (2021): 1–52. http://dx.doi.org/10.1108/qrfm-07-2020-0122.

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Purpose The business model of monoline insurers is to guarantee payments of debt issues in case of defaults by the issuer. Although sparse attention is given to monolines in literature, they play an important role in enabling municipalities and firms in refinancing. This study aims to conduct a systematic review of 181 articles from 1990 to 2020 from 23,130 records and a case study on the key monoline insurers. Key failure, success factors and demand for future monoline insurance are identified. Finally, the study explores monolines’ potential during COVID-19 and develops a framework for monol
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Malla, Buddhi Kumar. "Credit Portfolio Management in Nepalese Commercial Banks." Journal of Nepalese Business Studies 10, no. 1 (2018): 101–9. http://dx.doi.org/10.3126/jnbs.v10i1.19138.

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Credit portfolio management is a key function for banks (and other financial institutions, including insurers and institutional investors) with large, multifaceted portfolios of credit, often including illiquid loans (Nario, Pfister, Poppensieker & Stegemann, 2016). After global financial crisis of 2007-2008, the credit portfolio management function has become most crucial functions of the bank and financial institutions. The Basel III, third installment of Basel accord was developed after crisis to strengthen bank capital requirements by increasing bank liquidity and decreasing bank lever
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