Weinberg • Special communication M educational debt can be a daunting task for a young physician in the United States. Tuition continues to rise at public and private schools across the country. Higher tuition typically necessitates increased borrowing. In the 2002 Medical School Graduation Questionnaire: All School[s] Report, the Association of American Medical Colleges reports that the mean d...

HIV and poverty are inextricably intertwined in sub-Saharan Africa. Economic and livelihood intervention strategies have been suggested to help mitigate the adverse economic effects of HIV, but few intervention studies have focused specifically on HIV-positive persons. We conducted three pilot studies to assess a livelihood intervention consisting of an initial orientation and loan package of c...

One of the particular problems facing agribusiness firms is the relationship between commodity price risk (a source of business risk) and debt repayment ability (a source of financial risk). This study examines the use of commodity-linked loans applied to agricultural credits. A commodity-linked loan is a credit instrument whose payoff is contingent on the value of an underlying commodity or po...

Evaluating new bank loans has been considered as one of the main dilemmas that banks managers have to deal with in order to reduce the probability of default. The lending process is a series of activities involving two main parties whose association ranges from the loan application to the successful or unsuccessful repayment of the loan. This paper describes the construction of a flight simulat...

Although the Life-Cycle/Permanent Income Hypothesis is the primary framework for understanding household consumption and savings decisions, only a few studies have used clearly identifiable income changes to test the basic predictions of the model. The estimates produced using this empirical strategy have yet to lead to a consensus of beliefs since the results have both favored and rejected the...

This paper examines the effect of gender combination client-loan officer pairs on loan repayment in an Ecuadorian microfinance institution. We show that among four possible i.e. female client-female officer, client-male male and most favourable terms are those with officers whereas least officers. also is even further enhanced for all when client’s previous was a woman. Our findings point to re...

In this paper, we examine college graduates’ perceptions of entering student loan repayment and how they navigated process. Findings highlight the importance helping students make informed borrowing decisions, particularly as begin repaying their debt. Policy makers wishing to hold institutions accountable for keeping affordable while enhancing financial aid policy will gain further insight.