There has been a flurry of interest in programs for collection development through patron-initiated requests. However, some librarians have been concerned that such methods run the risk of producing idiosyncratic collections with poor usage and poor use value. The University of Nebraska-Lincoln Libraries have operated such a program through the Interlibrary Loan Department over a fiveyear perio...

Abstract The interaction of debt and economic performance has been getting more attention over the last few years. However, models making provision for are still outnumbered by completely ignoring it. This paper is first one to analyze relationship between household (in form bank loans) terms aggregate income) considering both impact wealth income distribution, MPC distribution under various fi...

data envelopment analysis (dea) has been applied in many studies in the banking industry but deficiency of empirical studies in iranian banking sector that incorporate time factor into the efficiency, have still remained. previous studies measured the efficiency of bank branches in a single period within cross-sectional data. they did not consider the effect of interconnecting activities (links...

This paper addresses the question, “Does lenders’ culture affect their monitoring efforts and style?”, by exploring whether lender individualism affects loan of U.S. borrowers for a sample 27,164 syndicated facilities granted between 1998 2017. We proxy based on ancestral country origin lead bank's CEO. show that leads to less stringent style. find individualist lenders resort covenant monitori...

Unfortunately, many small communities in Illinois are served by private septic systems that are failing, resulting in serious health problems for the community. These small rural communities are often populated by residents living on low to moderate incomes, who cannot afford the cost of a conventional sewer system. As funding sources become more scarce due to government budget cuts and a shift...

The Basel II Accord pointed out benefits of credit risk management through internal models to estimate Probability of Default (PD). Banks use default predictions to estimate the loan applicants’ PD. However, in practice, PD is not useful and banks applied credit scorecards for their decision making process. Also the competitive pressures in lending industry forced banks to use profit scorecards...

In Indonesia at the end of 2020, COVID-19 cases were increasing and predicted to continue, as had not yet passed peak pandemic curve. The government implemented mobility restrictions reduce exposure COVID-19. However, there is still a lack studies in that have assessed risks transmission based on people’s daily activities. This study aimed identify risk people getting their used cross-sectional...