The purpose of this study was to determine the effect Non-Performing Loans (NPL), Loan Deposit Ratio (LDR), and Net Interest Margin (NIM) on Return On Assets (ROA) either partially or simultaneously in banking companies listed Indonesia Stock Exchange. . This uses a quantitative approach with secondary data form (ROA). Determination sample using purposive sampling technique 3 criteria order obt...

The operation of private commercial banks in the modern economy is very important to functioning financial system. They do this by initiating credit programs form loans and investments, which allows them bring into our midst component total money supply that viewed as being utmost relevance. purpose study determine significance bank policies procedures, addition challenges these institutions fa...

BACKGROUND HIV/AIDS negatively impacts poverty alleviation and food security, which reciprocally hinder the rapid scale up and effectiveness of HIV care programs. Nyanza province has the highest HIV prevalence (15.3%), and is the third highest contributor (2.4 million people) to rural poverty in Kenya. Thus, we tested the feasibility of providing a micro-irrigation pump to HIV-positive farmers ...

Credit risk management is a process in which banks estimate probability of default (PD) for each loan applicant. Data sets of previous loan applicants are built by gathering their data, and these internal data sets are usually completed using external credit bureau’s data and finally used for estimating PD in banks. There is also a continuous interest for bank to use rule based classifiers to b...

In adjustable interest loans the borrower assumes the risk of interest rate rising, which leads to the growth of loan annuities. Given the importance of this risk in both corporate and personal finance, it is a recurrent topic in economic and financial press. In this paper, we show that the duration of a loan with constant annuity and interest rate can be used to assess the sensitivity of payme...

The main purpose of this paper is providing a model to calculate the credit risk of Melli bank clients and implement it at Mellat Bank. Therefore, the present study uses a multi-layered neural network method. The statistical population of this research is all real and legal clients of Melli and Mellat banks. Sampling method used in this research is a simple random sampling method. Friedman test...

Observers routinely claim that the Japanese government of the high-growth 1960s and 1970s rationed and ultimately directed credit. It barred domestic competitors to banks, insulated the domestic capital market from international competitive pressure, and capped loan interest rates. In the resulting credit shortage, it promoted industrial policy by rationing credit. As much as the government pur...

The article aims to describe the institution of pecuniary performance in Polish civil law system, taking into account EU regulations and case Supreme Court. Due its importance for transactions, is regulated separately both at level general specific regulations. These are contained Civil Code special laws, including those relating bank agreements. In particular, Act recognizes nominalism as basi...