In the area of technology financing, the scorecard model is one of the most popular tools used to help organizations decide whether or not to grant loans to applicant firms. However, the scorecards are often filled-in based on the evaluator’s total perception rather than the individual attribute scores of which the scorecards are composed. Misleading results may occur when reversely scored indi...

Two simple class-F NVI1VIIC power amplifiers are described using 0.7tm field-plated GaN HEMT devices. One circuit was designed for operation at 2.0 GHz and achieved a power-added-efficiency of 50%, 38 dBm output power, and 6.2 W/mm power density. A second circuit was designed at 2.8 GHz and achieved a PAE of 46% with 37 dBm output power and 7.0 W/mm power density.

In this paper we study the impact of more transparency in the interbank market on the volume of bank intermediated loans and on the profitability of the banking business. Transparency is modeled by means of the informational content of publicly observable signals correlated to the random interbank interest rate. We find that more transparency may increase or decrease the volume of bank loans. I...

Institutional investors and investment managers seek to better characterize the credit risk of online consumer loans. This article describes how to prepare the data and build a credit risk model that can be used for a number of applications including generating alpha, issuing protection and securitizing loans into bonds with the desired risk/reward profile. A simple example is used to provide i...

It is widely accepted that loans cause deposits. Hitherto, though, the empirical evidence has come from bivariate causality tests which we know can give rise to invalid inference if the two variables are causally influenced by some third, omitted, variable. This is a real danger where loans and deposits are concerned since there is a substantial body of evidence that both are linked to GDP, or ...

Introduction Residential mortgage loans are the major instrument of housing finance. A mortgage arrangement is equivalent to an exchange of a loan today for a stream of future payments. In general, a household or investor will borrow whenever the marginal cost of borrowing is less than the marginal utility or benefit derived from the asset. Mortgage loans are secured by the real property, and p...

One of the more significant changes in the variables. Variables found to be significant U. S. agricultural industry in recent years has were: total debt divided by total assets, reabeen the increased use of credit to finance prosonable farm value, total liabilities, marital duction and capital expenditures. Since 1970, status, family living expense as a percentage of outstanding farm debt has m...