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Добірка наукової літератури з теми "Loan to Saving Ratio"

Автор: Grafiati

Опубліковано: 3 червня 2025

Оновлено: 31 липня 2025

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Статті в журналах з теми "Loan to Saving Ratio"

Salim, Helmi Agus, and Amiroh Nurbailah. "Analisis Rasio Sebagai Dasar Pengukuran Kinerja Keuangan Pada Koperasi Simpan Pinjam Syariah BMT UGT Sidogiri." Wiga : Jurnal Penelitian Ilmu Ekonomi 8, no. 2 (2018): 10–19. http://dx.doi.org/10.30741/wiga.v8i2.313.

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Saving and loan cooperative Syariah BMT UGT Sidogiri is one of financial institutions in which its activity is to collect fund from the members and distribute it through the mechanism of the islamic financial services business. It is from and for cooperative members, or even the candidate ones. With more and more competitors and the uncertain of the economic condition of indonesia affects unstable condition in its financial sector. To know that financial condition, needed appraisal toward Saving and loan cooperative Syariah BMT UGT Sidogiri financial performance by applying analysis against fi

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Dr., Kishor Chandra Meher. "ASSESSMENT OF PERFORMANCE OF SAVING MOBILIZATION BETWEEN BRANCHES OF MFI, ETHIOPIA." International Journal of Current Research and Modern Education 2, no. 2 (2017): 306–17. https://doi.org/10.5281/zenodo.1101069.

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The captioned title of research attempts to evaluate the efficiency of saving mobilization performance of Micro Finance Institutions like Amhara Credit & Saving Institutions (ACSI) in Ethiopia in general and between the two branches (Arrerty and Deneba<strong>)</strong> of North Shoa Region in particular. Data are collected through primary data such as questionnaire and secondary data from the annual reports of ACSI. While convenient sampling is used to select the branches for the study, simple random sampling has been adopted to select the saving clients from the population of both the br

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Bernadus Yopi Lado, Herly M. Oematan, and Siprianus G. Tefa. "Analisis Kredit Macet Terhadap Kinerja Keuangan Koperasi Simpan Pinjam Swasti Sari Cabang Kota Kupang." Jurnal Kendali Akuntansi 3, no. 1 (2025): 89–94. https://doi.org/10.59581/jka-widyakarya.v3i1.4717.

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This study aims to analyze bad debts on the financial performance of the Kupang City Branch of the Swasti Sari Savings and Loan Cooperative. The research method used is descriptive quantitative, with data analysis techniques using bad debt analysis and financial performance analysis by measuring financial ratios such as liquidity, solvency and profitability ratios. The data used in this study is secondary data in the form of financial statements of the Swasti Sari Saving and Loan Cooperative, Kupang City Branch for a period of 5 years from 2019-2023. The results showed that bad debts at the Ku

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Fahriani, Dian, and Tantri Risda Zubaidah. "Financial Performance Analysis of The Saving and Loan Cooperative." JKIE (Journal Knowledge Industrial Engineering) 10, no. 1 (2023): 38–49. http://dx.doi.org/10.35891/jkie.v10i1.4125.

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This study aims to determine the financial performance of cooperatives in 2017-2019. The object of this research is the Analysis of the Financial Performance of the Savings and Loan Cooperative using the analysis method of the liquidity ratio, solvency and profitability. The data from this study were obtained from the results of company documents in the form of financial statements of the Financial Performance Savings and Loan Cooperative. The results of this study indicate that the liquidity ratio is measured using the Cash Ratio, 2017 to 2019 shows that financial performance is classified as

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Ardiansyah, Fajar Alif, Sarah Yuliarini, Eva Wany, and Budi Prayitno. "ANALYSIS ON CURRENT ACCOUNT SAVING ACCOUNT (CASA), NON-PERFORMING LOAN (NPL), DAN LIKUIDITAS (LDR) TO BANKING PROFITABILITAS (ROA) SITUATION ARROUND PANDEMIC COVID 19." Media Mahardhika 21, no. 3 (2023): 470–79. http://dx.doi.org/10.29062/mahardika.v21i3.640.

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Interrelated of situation as pandemic covid 19 happened which was data conducted then to be tested and analyzed the effect of Non-Performing Loans, Current Account Saving Accounts and Loan to Deposit Ratios on Return on Assets in banking companies listed on the Indonesia Stock Exchange for the 2019-2021 period. This study conducted on 48 banking listed companies which matched the criteria for the research sample. The analysis technique used multiple linear regression and SPSS version 20 as tools for data processing. The results of this study indicate that Non-performing Loans and Current Accou

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Ary, Dwi Prasetyo Murtopo, and Roni Setyawan Ignatius. "Effect of Loan Disbursement, Non-Performing Loan (NPL) and Current Account-Saving Account (CASA) Ratio on The Profitability of Digital Bank Listed on Indonesia Stock Exchange." International Journal of Current Science Research and Review 07, no. 12 (2024): 8749–58. https://doi.org/10.5281/zenodo.14286852.

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Abstract : Technological advances have brought updates to business processes and banking services in Indonesia, namely the birth of banks that provide digital-based services to customers or called Digital Banks. The development of this digital banking ecosystem is supported by the economic conditions that have recovered after COVID pandemic ended. Digital transformation has certainly encouraged the emergence of several Digital Banks that have become Game Changers in the financial services business by offering convenience in digital products and services. A number of Digital Banks have succeede

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Yitayaw, Mekonnen. "Effect of Outreach on Financial Sustainability and Profitability of Saving and Credit Cooperatives in Eastern Ethiopia." Zeszyty Naukowe SGGW w Warszawie - Problemy Rolnictwa Światowego 20(35), no. 2 (2020): 51–69. http://dx.doi.org/10.22630/prs.2020.20.2.12.

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This study scrutinized the effect of outreach on financial sustainability and profitability of SACCOs in Eastern Ethiopia using balanced panel data from 33 SACCOs over the period of 2017-2019. Quantitative approach and explanatory design were employed to realize the stated objective. This study used secondary data sources, mainly audited financial statement of the SACCOs, in the study period. The analysis revealed that SACCOs in Eastern Ethiopia are profitable but not financially sustainable. Random effect model results show that gross loan to asset ratio, yield on gross loan portfolio, manage

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Puspadewi, Ni Kadek Dealita, and I. Wayan Budi Satriya. "Pengaruh Perputaran Kas, Loan to Deposit Ratio, dan Pertumbuhan Jumlah Nasabah Terhadap Profitabilitas." Hita Akuntansi dan Keuangan 5, no. 3 (2024): 154–62. http://dx.doi.org/10.32795/hak.v5i3.4351.

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The purpose of this study was to examine the effect of cash turnover, loan to deposit ratio, and growth in the number of customers on profitability during the Covid-19 pandemic in savings and loan cooperatives throughout the Pedungan Village. The population used in this study were 30 savings and loan cooperatives throughout the Pedungan Village. Determination of the sample using a purposive sampling technique to obtain 10 companies as a sample, with 3 years of observational data to obtain 30 observational data. Data were analyzed using multiple linear regression analysis. The results of the an

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Edi, Bagus Qomaruzzaman Ratu, Karim Budiono, and Musaiyadi Musaiyadi. "ANALYSIS OF FINANCING EFFECTIVENESS IN SHARIA COOPERATIVES BMT BINA TANJUNG IN JEMBER." Relasi : Jurnal Ekonomi 18, no. 2 (2022): 243–58. https://doi.org/10.31967/relasi.v18i2.603.

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According to the Decree of the Minister (Kepmen) of Cooperatives and UKM of the Republic of Indonesia Number 91 of 2004 Sharia Financial Services Cooperatives (KJKS) are cooperatives whose business activities are engaged in financing, investment, and savings according to the pattern of profit sharing (sharia). In carrying out its function as a property development house, the BMT Bina Tanjung Sharia Cooperative encourages saving activities and supports the financing of economic activities. The objectives of this study are (1) to determine the effectiveness of sharia financing that has been carr

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Matdio Siahaan, Maurits Sipahutar, Tony Renhard Sinambela, Paiaman Pardede, Parel Naibaho, and Rodeyar Pasaribu. "Financial Ratio Analysis to Measure Financial Performance of Cum Anugerah Bekasi Cooperative." International Journal of Professional Business Review 8, no. 7 (2023): e02371. http://dx.doi.org/10.26668/businessreview/2023.v8i7.2371.

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Purpose: The purpose of this study was to determine the financial performance of the Savings and Loans Cooperative CUM Anugerah Bekasi in 2018-2020, seen from the liquidity ratio, solvency ratio, and profitability ratio. Design/methodology/approach: This type of research uses quantitative descriptive research, namely collecting, processing and interpreting the data obtained to provide a clear picture of the situation under study using financial formulas. The object of this research is the financial report of the CUM Anugerah Bekasi Savings and Loan Cooperative in 2018-2020. Findings: The resul

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Дисертації з теми "Loan to Saving Ratio"

Mendicino, Caterina, and Maria Teresa Punzi. "House Prices, Capital Inflows and Macroprudential Policy." WU Vienna University of Economics and Business, 2014. http://epub.wu.ac.at/4281/1/wp180.pdf.

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This paper evaluates the monetary and macroprudential policies that mitigate the procyclicality arising from the interlinkages between current account deficits and financial vulnerabilities. We develop a two-country dynamic stochastic general equilibrium (DSGE) model with heterogeneous households and collateralised debt. The model predicts that external shocks are important in driving current account deficits that are coupled with run-ups in house prices and household debt. In this context, optimal policy features an interest-rate response to credit and a LTV ratio that countercyclically res

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Ahiabor, Frederick S. "Determinants of project finance loan terms." Thesis, Loughborough University, 2018. https://dspace.lboro.ac.uk/2134/36313.

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Project finance has become a vital financing vehicle for undertaking capital-intensive and infrastructure investments. In 2017 alone, the value of deals signed using project finance was estimated at approximately $229 billion. Despite its increasing importance, little is known regarding the impact of project-level, and country characteristics on the loan terms. This thesis proceeds in examining these determinants along three empirical essays. The first essay (Chapter 3) focuses on how domestic lead arrangers certification (in emerging markets) impact the pricing of project finance loans. Using

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Mtimkhulu, Ayibongwe Joseph. "The impact of financial intermediaries on the savings-investment ratio in South Africa." Thesis, University of Fort Hare, 2014.

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This study examined whether or not financial intermediation can explain the variations in the savings-investment ratio in South Africa during the period 1990 to 2012. The study specifically tests the McKinnon Conduit Effect hypothesis which states that increasing interest rate raises the capacity of financial savings via financial intermediaries based on data from South Africa. Apart from informal graphical test, this study employed formal tests such as the Augmented Dickey-Fuller and Phillips Perron stationarity tests to test the properties of the variables considered, including interest rate

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Roubcová, Veronika. "Optimalizace financování bydlení." Master's thesis, Vysoké učení technické v Brně. Fakulta stavební, 2016. http://www.nusl.cz/ntk/nusl-240144.

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This thesis deals with the possibilities of financing their own housing. The theoretical part will explain the basic concepts of housing finance. The work is described in the financing of legal entities and individuals. A separate chapter is devoted to mortgage loans. A separate chapter is devoted to building savings, which is more often used variant of housing finance. The practical part will be finding funding options to purchase their own home. Self housing will work in this particular object that will be compiled as part of the work and budget. On the basis of specific conditions, will be

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Punzi, Maria Teresa, and Katrin Rabitsch. "Effectiveness of macroprudential policies under borrower heterogeneity." WU Vienna University of Economics and Business, 2017. http://epub.wu.ac.at/5731/1/wp253.pdf.

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We study the impact of macroprudential policies using a novel model which takes into account households´ ability to borrow under different loan-to-value ratios which are tied to their collateral values. Such model generates a larger amplification in real and financial variables, compared to standard models that assume homogeneity in the leveraging and deleveraging process. Conditional on this model, we consider the implications of macroprudential policies that aim to lean against an excessive credit cycle. In particular, we allow macroprudential authorities to tighten excessive lending to hig

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Rabitsch, Katrin, and Maria Teresa Punzi. "Borrower heterogeneity within a risky mortgage-lending market." WU Vienna University of Economics and Business, 2017. http://epub.wu.ac.at/5429/1/wp241.pdf.

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We propose a model of a risky mortgage-lending market in which we take explicit account of heterogeneity in household borrowing conditions, by introducing two borrower types: one with a low loan-to-value (LTV) ratio, one with a high LTV ratio, calibrated to U.S. data. We use such framework to study a deleveraging shock, modeled as an increase in housing investment risk, that falls more strongly on, and produces a larger contraction in credit for high-LTV type borrowers, as in the data. We find that this deleveraging experience produces significant aggregate effects on output and consumption, a

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Thomas, Soby. "Residential mortgage loan securitization and the subprime crisis / S. Thomas." Thesis, North-West University, 2010. http://hdl.handle.net/10394/4591.

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Many analysts believe that problems in the U.S. housing market initiated the 2008–2010 global financial crisis. In this regard, the subprime mortgage crisis (SMC) shook the foundations of the financial industry by causing the failure of many iconic Wall Street investment banks and prominent depository institutions. This crisis stymied credit extension to households and businesses thus creating credit crunches and, ultimately, a global recession. This thesis specifically discusses the SMC and its components, causes, consequences and cures in relation to subprime mortgages, securitization, as we

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Lee, Kyubang. "The demand for owner-occupied housing : a study of the simultaneity among housing demand, the choice of loan-value ratio and the length of stay /." The Ohio State University, 1985. http://rave.ohiolink.edu/etdc/view?acc_num=osu1278610468.

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Wall, Taylor A. "Saving America's Automobile Industry: The Bailouts of 1979 and 2009, An Overview of the Economic Conditions, Factors for Failure, Government Interventions and Public Reactions." Scholarship @ Claremont, 2010. http://scholarship.claremont.edu/cmc_theses/43.

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This paper will discuss the bankruptcies experienced by U.S. automakers in both 1979 and 2009. The main factors which led the automakers into financial ruin was the uncontrolled power of labor unions, the severe financial impact of oil embargos, the aggressive imposition of federal regulations and the increasing dominance of Japanese imports. After discussing these important factors, the paper will describe the specifics of Chrysler’s bailout experience in 1979 with the positive public acceptance of the government loans, largely due to the character of Lee Iacocca. After delving into Chrysle

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Benešová, Lucie. "Možnosti financování bydlení v České republice." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2015. http://www.nusl.cz/ntk/nusl-224925.

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This diploma thesis deals with the financing options of housing in the Czech Republic with the focus on building society saving accounts and mortgage loans. At first, it explains the basic parameters of these products. Then, the second part is aimed at the possibilities of credit products offered on the market. Finally, the third part shows the representative example of a family and it suggests a possible way to finance their own housing on the basis of assessment of major advantages and disadvantages of credit types.

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Книги з теми "Loan to Saving Ratio"

Woods, Edward. Saving your home through loan modification. Xliibris, 2009.

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Jonhar, ed. Pengaruh loan to deposit ratio (LDR) dan capital adequacy ratio (CAR) terhadap tingkat keuntungan bank: Laporan penelitian. Departemen Pendidikan dan Kebudayaan, Lembaga Penelitian, Universitas Andalas, 1996.

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King, William E. Saving face: An alternative and personal history of the savings and loan crisis. Somerset Publications, 2008.

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Uganda Cooperative Savings and Credit Union. Country saving and credit cooperatives (SACCOs) status: July 2008. UCSCU, 2008.

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William, Borges, ed. Saving the savings and loan: The U.S. thrift industry and the Texas experience, 1950-1988. Praeger, 1989.

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Lewis, Steve. Savings: Australia in crisis? Financial Review Library, 1993.

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Singh, Ajit Kumar. Estimation of incremental capital output ratio in Uttar Pradesh: 2004-05 to 2009-10. Giri Institute of Development Studies, 2012.

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Cebula, Richard J. The savings and loan crisis. Kendall/Hunt Pub. Co., 1992.

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Finegan, Patrick G. Master financial statements: Who murdered savings & loans. Palindrome Press, 1991.

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D, Bilowa, ed. Lutter contre la pauvreté par l'épargne et le crédit. CEPAS, 1999.

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Частини книг з теми "Loan to Saving Ratio"

Fauzia, L. R., S. A. T. Rahayu, and A. A. Nugroho. "The implication of loan-to-value ratio on credit housing demand in Indonesia." In Business Innovation and Development in Emerging Economies. CRC Press, 2019. http://dx.doi.org/10.1201/9780429433382-33.

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Pedro, Tiago, André Martins, António Rodrigues, and Pedro Vieira. "On the Use of Load Balancing for Saving Capacity in Dual Layer 3G Radio Access Networks." In E-Business and Telecommunications. Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-67876-4_20.

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von Weizsäcker, Carl Christian, and Hagen M. Krämer. "The Natural Rate of Interest and the Optimal Rate of Interest in the Steady State." In Saving and Investment in the Twenty-First Century. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-75031-2_2.

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AbstractThe “natural rate of interest” is the hypothetical, risk-free real rate of interest that would obtain in a closed economy, if net public debt were zero. It is considerably less than the optimal steady-state rate of interest, which is equal to the system’s growth rate. This holds for a very general “meta-model.” The fundamental equation of capital theory holds on the optimal steady-state path: T = Z − D, where T is the overall economic period of production, Z is the representative private “waiting period” of consumers and D is the public debt ratio. Prosperity is at least 30% lower at t

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Polienko, Wladislaw, and Klaus Holschemacher. "Influences of the Effectiveness of a Column Confinement with Textile Reinforced Concrete (TRC)." In Springer Proceedings in Materials. Springer Nature Switzerland, 2024. http://dx.doi.org/10.1007/978-3-031-72955-3_51.

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AbstractIn the present paper the results of uniaxial compression tests conducted on textile reinforced concrete (TRC)—confined reinforced concrete (RC) columns are reported. By confining the column with TRC, the lateral expansion of the concrete can be impeded. The resulting multiaxial compressive stress state allows to enhance the components axial capacity. Due to the corrosion-resistant textile, the usual concrete cover in reinforced concrete construction is reduced, which allows slender but at the same time highly load-bearing components to be created. Consequently TRC provides a sustainabl

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Fiorenza, Shieryn, Liliana Inggrit Wijaya, and Bertha Silvia Sutejo. "The Effect of Dividend Policy, Profitability, and Leverage on Share Price Volatility of Service Sector Enterprise Indexed on the Indonesia Stock Exchange During 2015–2019." In Proceedings of the 19th International Symposium on Management (INSYMA 2022). Atlantis Press International BV, 2022. http://dx.doi.org/10.2991/978-94-6463-008-4_17.

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AbstractThis research analyzes the effect of dividend payout ratio, dividend yield, earnings volatility, and debt-to-equity ratio on share price volatility in service sector enterprise indexed on the Indonesia Stock Exchange during the 2015–2019 period. This study used a quantitative approach with multiple linear regression. The findings of this study indicate that observations on the Indonesia Stock Exchange show that the dividend payout ratio has a compelling positive effect on share price volatility. This is because the higher the dividend yield, or the more enterprise pay dividends each ye

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Ndou, Eliphas, and Thabo Mokoena. "Does an Unexpected Loosening in the Loan to Value Ratio Has Any Distributive Effects via the Inequality Channel?" In Inequality, Output-Inflation Trade-Off and Economic Policy Uncertainty. Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-19803-9_13.

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Cheng, Yong, Sheng Zhang, Chao Huan, and Zhang Lin. "Optimization on Fresh Outdoor Air Ratio of Stratum Ventilation for Both Targeted Indoor Air Quality and Maximal Energy Saving." In Indoor Environment and Sustainable Building. Springer Nature Singapore, 2024. http://dx.doi.org/10.1007/978-981-97-6855-4_13.

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Diksith, S., Roshan S. Shetty, B. Swarnika, and Prakash Rao Gurpur. "Optimizing Building Orientation, Window-to-Wall Ratio, and Calculated Solar Shades and Strategies to Enhance the Building’s Daylight Performance and Energy-Saving Potential." In Sustainable Resilient Built Environments. Springer Nature Singapore, 2024. http://dx.doi.org/10.1007/978-981-99-8811-2_46.

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Pungercar, Vesna, Martino Hutz, and Florian Musso. "3D Print with Salt." In 3D Printing for Construction with Alternative Materials. Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-09319-7_5.

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AbstractSustainable materials and additive manufacturing have the potential to increase material efficiency and minimize waste in the building process. One of the most promising materials is salt (sodium chloride). It is highly available as a residue of desalination and potash production processes and attracts attention due to its material properties (storage of humidity and heat). This research presents an investigation and evaluation of using salt as an alternative material in additive manufacturing. Thus, the focus of the study was on small-scale 3D printing with paste extrusion. Experiment

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Vorkut, Tetiana, Lyudmila Volynets, Iryna Gorobinska, and Yurii Lushchai. "Methodological approach to two-component assessment of sustainability in organizations and organizational networks and strategic-oriented management of their development." In STRATEGIC-ORIENTED MANAGEMENT OF THE TRANSPORT INDUSTRY: LOGISTICS APPROACHES, INNOVATIVE SOLUTIONS AND MANAGEMENT MODELS. TECHNOLOGY CENTER PC, 2025. https://doi.org/10.15587/978-617-8360-14-6.ch2.

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The object of the study is to assess the financial stability and readiness of logistics activities in organizations for development. The proposed two-component methodological approach makes it possible to optimize the assessment of the readiness of organizations for development based on determining a sufficient level of investment, on the one hand, and a balanced level of activity costs, on the other. Thus, for the first component, it is proposed to use an integral indicator of investment adequacy, the calculation method of which is based on combining the dependencies between the volumes of ca

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Тези доповідей конференцій з теми "Loan to Saving Ratio"

Krykhovets, Oleksandra, and Valentyna Slobodyanyk. "Preparation and Characteristics of Films Based on Polyvinyl Alcohol and Starch for Environmentally Friendly Packaging." In 8th International Congress "Environment Protection. Energy Saving. Sustainable Environmental Management". Trans Tech Publications Ltd, 2025. https://doi.org/10.4028/p-er3mdb.

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The following article represents the research on the elaboration of biodegradable films for environmentally friendly packaging based on polyvinyl alcohol, corn starch, glycerin, and borax. Growing consumption of packaging results in greater waste; the biggest part of which comprises problematic plastic packaging that is difficult and expensive to recycle. The majority of biodegradable packaging materials have insufficient technological characteristics. It is due to that the development of composite compositions based on inexpensive raw materials is a necessary condition to extend the range of

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Rosbo, Joachim W., Anker D. Jensen, John B. J�rgensen, Sigurd Skogestad, and Jakob K. Huusom. "Optimisation of a Haber-Bosch Synthesis Loop for PtA." In The 35th European Symposium on Computer Aided Process Engineering. PSE Press, 2025. https://doi.org/10.69997/sct.122254.

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This work presents a plantwide model of a Haber-Bosch ammonia synthesis loop (HB-loop) in a PtA plant, consisting of heat exchangers, compressors, steam turbines, flash separators and catalytic reactor beds. The total electrical power utility of the HB-loop is a combination of compressor power, refrigeration power, and steam turbine power. We optimise the HB-loop operating parameters, subject to constraints for maximum reactor temperatures, compressor choke and stall, minimum steam temperature, and maximum loop pressure. The loop features six degrees of freedom (DOFs) for the optimisation: thr

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Feng, M., Y. X. Tao, E. Inclan, and R. Bartra. "Evaluation of Energy Usage for a Teaching and Research Complex." In ASME 2006 International Mechanical Engineering Congress and Exposition. ASMEDC, 2006. http://dx.doi.org/10.1115/imece2006-14959.

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The evaluation of energy performance for a teaching and research complex located in South Florida was carried out by auditing the energy bills, on-site data monitoring, and numerical simulation by computer. To facilitate the process of on-site data monitoring, a remotely controlled, wireless thermal monitoring system was deployed in the building. The system can automatically collect the temperature, relative humidity ratio, illumination intensity, and building electricity usage data for analysis. The contribution and savings potential of each energy consumption component is analyzed for the wh

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Omojaro, Peter, Cornelia Breitkopf, and Simon Omojaro. "Passive Cooling With Phase Change Material Energy Storage." In ASME 2013 7th International Conference on Energy Sustainability collocated with the ASME 2013 Heat Transfer Summer Conference and the ASME 2013 11th International Conference on Fuel Cell Science, Engineering and Technology. American Society of Mechanical Engineers, 2013. http://dx.doi.org/10.1115/es2013-18204.

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A passive induced cooling system using phase change material (PCM) energy storage is presented in this analysis for providing indoor cooling and energy saving. Also, the latent heat performance of the PCM is analyzed. The supplied cooling capacity was evaluated using an indoor cooling temperature performance while the PCM characteristic performance was achieved by relating the applications sensible heat ratio efficiency to the charging and discharging effectiveness of the PCM. This is carried out for an office building in a warm humid climate. Obtained result delivered 24.54 % of the required

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Bhargava, R., M. Bianchi, G. Negri di Montenegro, and A. Peretto. "Thermo-Economic Analysis of an Intercooled, Reheat and Recuperated Gas Turbine for Cogeneration Applications: Part I — Base Load Operation." In ASME Turbo Expo 2000: Power for Land, Sea, and Air. American Society of Mechanical Engineers, 2000. http://dx.doi.org/10.1115/2000-gt-0316.

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This paper presents a thermo-economic analysis of an intercooled, reheat (ICRH) gas turbine, with and without recuperation, for cogeneration applications. The optimization analyses of thermodynamic parameters have permitted to calculate variables, such as low-pressure compressor pressure ratio, high-pressure turbine pressure ratio and gas temperature at the waste heat recovery unit inlet while maximizing electric efficiency and “Energy Saving Index”. Subsequently, the economic analyses have allowed to evaluate return on the investment, and the minimum value of gross payout period, for the cycl

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Okamoto, S. "Energy Consumption and Technical Potential of Energy Saving in a Hospital." In ASME 2008 2nd International Conference on Energy Sustainability collocated with the Heat Transfer, Fluids Engineering, and 3rd Energy Nanotechnology Conferences. ASMEDC, 2008. http://dx.doi.org/10.1115/es2008-54017.

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This paper describes a study starting from an analysis of typical energy demand profiles in a hospital setting followed by the feasibility study of a cogeneration system (CGS). The concept is a future autonomous system for the combined generation of electrical, heating and cooling energy in the hospital. The driving cogeneration units are two high-efficiency gas engines; this is used to produce the electrical and heat energy. Gas engine is used as a driving unit because of high needs for electrical and heating energy. The natural gas-fuelled reciprocating engine is used to generate 735kW of po

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Okamoto, S. "Energy Saving by ESCO (Energy Service Company) Project in Japanese Hospital." In ASME 2009 International Mechanical Engineering Congress and Exposition. ASMEDC, 2009. http://dx.doi.org/10.1115/imece2009-10576.

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This paper describes a study starting from an analysis of typical energy demand profiles in a hospital setting followed by the case study of a cogeneration system (CGS) by an ESCO (Energy Service Company) project. The concept is a future autonomous system for the combined generation of electrical, heating and cooling energy in the hospital. The driving cogeneration units are two high-efficiency gas engines; this is used to produce the electrical and heat energy. Gas engine is used as a driving unit because of high needs for electrical and heating energy. The natural gas-fuelled reciprocating e

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Kondo, Takashi, and Makoto Hirano. "A Study of a Variable Compression Ratio Engine With a Double Piston System." In ASME 2008 International Mechanical Engineering Congress and Exposition. ASMEDC, 2008. http://dx.doi.org/10.1115/imece2008-66453.

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Improvement in the thermal efficiency of automobile engines is being demanded as a means to reducing carbon dioxide emissions, which are considered to be the main cause of global warming. Improving thermal efficiency by means of higher compression ratios is known. But, in the case of gasoline engines, there is a limit for high compression ratios caused by knocking under high load conditions. Therefore, various variable compression ratio (VCR) mechanisms have been devised. However, in previous attempts, structural issues have arisen, whereby structural weight has increased, thereby necessitatin

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Long Ni, Wei Song, Fancheng Zeng, and Yang Yao. "Energy saving and economic analyses of design heating load ratio of ground source heat pump with gas boiler as auxiliary heat source." In 2011 International Conference on Electric Technology and Civil Engineering (ICETCE). IEEE, 2011. http://dx.doi.org/10.1109/icetce.2011.5775205.

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Qian, Guoping, Zhenghua Lu, Juntao Tian, Lianfang Liu, Chong Xi, and Xiaoying Zhou. "Implementation of Predictive Adaptive Cruise Control Strategy Based on ADAS Map." In SAE 2023 Intelligent Urban Air Mobility Symposium. SAE International, 2023. http://dx.doi.org/10.4271/2023-01-7111.

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<div class="section abstract"><div class="htmlview paragraph">Heavy vehicles are major fuel consumers in road transportation, and the traditional way to reduce fuel consumption is to reduce weight, resistance, improve mechanical transmission efficiency, and improve engine thermal efficiency. However, European heavy-duty truck companies took the lead in realizing predictive cruise control (PCC) technology on the basis of cruise through intelligent network technology, based on ADAS maps, and achieved good fuel saving effects. In this paper, by studying the fuel consumption characteri

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Звіти організацій з теми "Loan to Saving Ratio"

Yani, Nor. PENGARUH CAPITAL ADEQUACY RATIO (CAR) DAN NON PERFORMING LOAN (NPL) TERHADAP PROFITABILITAS (STUDI KASUS PADA BANK BUMN). Jurnal Madani: Ilmu Pengetahuan, Teknologi, dan Humaniora, 2018. http://dx.doi.org/10.33753/madani.v1i2.18.

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Férnandez Lafuerza, Luis, and Jorge E. Galán. Should macroprudential policy target corporate lending? Evidence from credit standards and defaults. Banco de España, 2024. http://dx.doi.org/10.53479/36477.

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We provide compelling evidence of the association between credit standards at loan origination in the corporate sector and default risk, a topic that has received little attention in the literature in comparison to the study of this relationship in the mortgage market. Using data from the Spanish credit register merged with corporate balance sheet information spanning the last financial cycle, we demonstrate that leverage and debt burden ratios at loan origination are key predictors of future corporate loan defaults. We also show that the deterioration in lending standards is strongly correlat

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Chandra, Shailesh, Mehran Rahmani, Timothy Thai, Vivek Mishra, and Jacqueline Camacho. Evaluating Financing Mechanisms and Economic Benefits to Fund Grade Separation Projects. Mineta Transportation Institute, 2021. http://dx.doi.org/10.31979/mti.2020.1926.

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Investment in transportation infrastructure projects generates benefits, both direct and indirect. While emissions reductions, crash reductions, and travel time savings are prominent direct benefits, there are indirect benefits in the form of real estate enhancements that could pay off debt or loan incurred in the improvement of the infrastructure itself. Studies have shown that improvements associated with rail transportation (such as station upgrades) trigger an increase in the surrounding real estate values, increasing both the opportunity for monetary gains and, ultimately, property tax co

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Perez-Reyna, David, Tomás Rodríguez Barraquer, and Jorge Tovar. Competition in the Colombian Banking Sector. Inter-American Development Bank, 2025. https://doi.org/10.18235/0013441.

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In this paper, we analyze the competition in the Colombian banking sector using bank-level monthly balance sheet information. We estimate the changes in measures of market power due to the exogenous introduction of a liquidity regulation. Our results suggest that introducing a net stable funding ratio increased the Lerner index in the short term, thus signaling a higher exercise of market power. We rationalize these changes in a simple theoretical model that allows us to analyze the tightening of liquidity requirements for banks. Our empirical results are consistent with banks with higher mark

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Agénor, Pierre-Richard, and Luiz A. Pereira da Silva. Cyclically Adjusted Provisions and Financial Stability. Inter-American Development Bank, 2016. http://dx.doi.org/10.18235/0011733.

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This paper studies the extent to which alternative loan loss provisioning regimes affect the procyclicality of the financial system and financial stability. It uses a DSGE model with financial frictions (namely, balance sheet and collateral effects, as well as economies of scope in banking) and a generic formulation of provisioning regimes. Numerical experiments with a parameterized version of the model show that cyclically adjusted (or, more commonly called, dynamic) provisioning can be highly effective in terms of mitigating procyclicality and financial instability, measured in terms of the

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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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Badel, Alejandro, and Mauricio Cárdenas. La crisis de financiamiento hipotecario en Colombia: causas y consecuencias. Inter-American Development Bank, 2003. http://dx.doi.org/10.18235/0011861.

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Este trabajo presenta evidencia según la cual la crisis reciente del sector hipotecario en Colombia fue consecuencia del incremento en la relación entre el saldo de los créditos y el valor de las garantías (LTV o loan-to-value ratio) que aumentó la vulnerabilidad de los hogares al ciclo económico. El incremento del LTV fue ocasionado por el efecto conjunto del mayor endeudamiento de los hogares, las reglas de indexación de los saldos de los créditos hipotecarios vigentes hasta 1999 y la desvalorización de los inmuebles que se registró a partir de 1995. Por su parte, la dramática contracción en

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Guevara-Castañeda, Diego Alejandro, Leonardo Villar-Gómez, Olga Lucía Acosta-Navarro, et al. Report of the Board of Directors to the Congress of Colombia, February 2025. Banco de la República, 2025. https://doi.org/10.32468/inf-jun-dir-con-rep-eng.01-2025.

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In 2024, the macroeconomic adjustment process continued, characterized by a sustained reduction in inflation that began in 2023 and a decline in the current account deficit of the balance of payments. This adjustment took place in the context of a contractionary monetary policy, with a gradual reduction in the monetary policy interest rate. GDP grew by 1.7%, driven by investment and consumption, while employment increased by 2.2%. Foreign reserves remained at adequate levels, and Banco de la República recorded a profit of COP 10,041 billion, benefiting from the returns on foreign reserves. Mac

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Financial Stability Report - First Half of 2023. Banco de la República, 2024. http://dx.doi.org/10.32468/rept-estab-fin.sem1.eng-2023.

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Banco de la República’s main goal is to preserve the purchasing power of the currency in coordination with the general economic policy that is intended to stabilize output and employment at long-term sustainable levels. Properly meeting the goal assigned to the Bank by the 1991 Constitution critically depends on preserving financial stability. This is understood to be a general condition in which the financial system channels domestic savings and evaluates and manages the financial risks in a way that facilitates the performance of the economy and efficient allocation of resources while, at th

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Financial Stability Report - First Half of 2019. Banco de la República, 2025. https://doi.org/10.32468/rept-estab-fin.sem1.eng-2019.

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This Financial Stability Report presents the appreciation of Banco de la República (the Central Bank of Colombia) on the recent performance of credit institutions and their debtors, as well as on the main risks and vulnerabilities that could have some effect on the financial stability of the Colombian economy. The Report intends to inform both participants in financial markets and the general public, besides promoting public debate on the trends and risks that may affect the financial system. The results herein presented also serve the monetary authority as an input in their decision-making to

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