credit enhancements are methods that are used in structured finance for promoting the credit quality of financial instruments. one of the most important mechanisms for improving the credit quality is tranching financial instruments. this mechanism is mentioned as a structural and internal credit enhancement. tranching decreases financing costs and improves the quality of financial instruments. ...

This paper examines the effects of tying microenterprise credit cooperatives (or “village banks”), with health and education services, using data from two Latin American countries, Ecuador and Honduras. Credit constraints particularly affect women (microentrepreneur) borrowers. Evidence suggests that mothers’ income increases are more likely to be spent on nutrition and other health improving e...

The study was designed to analyze credit receipt and enterprise performance by small scale agro based enterprises in the Niger Delta region of Nigeria. A multistage sampling technique was adopted in selecting 264 agro based enterprises and 96 agro based enterprises that accessed informal and formal credit respectively. The Heckman model was used to examine the factors affecting amount of inform...

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De Montjoye et al. (Reports, 30 January 2015, p. 536) claimed that most individuals can be reidentified from a deidentified transaction database and that anonymization mechanisms are not effective against reidentification. We demonstrate that anonymization can be performed by techniques well established in the literature.

Abstract In recent years, households have become increasingly indebted, which constitutes a matter of concern. Based on sample from the Spanish Survey Financial Competences , this paper examines relationship between self-control and consumer borrowing behaviour and, in so doing, it proposes new multi-item scale individual’s financial matters considers several types debt, thus overcoming main ga...

In practice, the supplier often offers the retailers a trade credit period M and the retailer in turn provides a trade credit period N to her/his customer to stimulate sales and reduce inventory. From the retailer’s perspective, granting trade credit not only increases sales and revenue but also increases opportunity cost (i.e., the capital opportunity loss during credit period) and defau...

the purpose of this study was to investigate the role of extension services in enhancing effectiveness of out growers’ credit system in kisumu county, kenya. the study specifically sought to determine whether public and private extension services play a significant role in enhancing effectiveness of out-growers’ credit system among smallholder sugarcane farmers. a total of 110 small scale farme...