The first aim of this paper is to make a modeling framework of the interest area of a library patron by utilizing library’s loan records. In other words, to profile a person with his/her interest field. Interest area profiling is not only interesting of itself but also useful for library when it chooses the books to be purchased, for professors when they give lectures, and for other people. The...

When the representative bank’s backward-bending loan supply curve peaks at the profitmaximizing loan rate, credit rationing could exist as an equilibrium phenomenon and the equilibrium interest rate in the loan market is subject to upward rigidity. With the loan-market setting as micro-foundation for investment, this paper further develops a macro model of a small open economy under the regime ...

Three main types of mortgages are fixed interest contracts which automatically fall due on the sale of a dwelling, fixed rate loans which are assumable by a buyer, and floating rate instruments. When interest rates rise, the fall in the economic value of these assets in savings and loan associations' portfolios varies from one form of mortgage to another. For either of the fixed interest rate c...

Banks may well perform differently in lending to firms according to their funding structure. This paper surveys the relation between Loan volatility and deposit in Iranian banking system. The extent to which bank lending is connected to funding structure is affected by the banks’ characteristics (such as capital structure, profitability, and the measure of non-performing loans). To analyze this...

Data mining models often carry the final objective of maximizing profit or minimizing cost. This problem becomes even more profound in financial applications that can have multiple constraints, such as interest rate, score cut-off, and the loan amount to allocate. In this paper, we present a pricing framework for discovering the total profit from a probabilistic model, given a benefit function.

OBJECTIVE Scarcity and costs of transport have been implicated as key barriers to accessing care when obstetric emergencies occur in community settings. Community-based loans have been used to increase utilization of health facilities and potentially reduce maternal mortality by providing funding at community level to provide emergency transport. This review aimed to provide evidence of the eff...

Imagine walking into an auto dealership with the intention of purchasing a new car. After walking the showroom floor and test-driving a mid-sized sedan, you tell the salesperson that you’d like to purchase the car but, in order to do so, you will need financing. The salesperson hands you some papers to fill out which request the routine personal and financial questions, such as your income and ...

the study investigated the loan repayment, its determinants and socio-economic characteristics of microfinance loan beneficiaries in the southeast states of nigeria. it was carried out in three states of the five southeast states. using a multistage sampling technique, a total of 144 loan beneficiaries in the three segments of mfis, namely; formal (commercial and development banks); semi-formal...