The aim of this paper is to empirically investigate the determinants of creditor concentration in the use of bank loans by firms in a European cross-country framework. We analyze the influence of loan and borrower characteristics but also banking market structure and legal enforcement variables that are expected to influence the financial and strategic decisions relative to bank lending concent...

Article history: Received 5 April 2007 Received in revised form 3 March 2008 Accepted 17 April 2008 Available online 25 April 2008 There has been a considerable expansion of the volume of syndicated loans in emerging markets in the recent years. We provide the first analysis of the determinants of the decision of banks to syndicate a loan on a sample of loan facilities from 50 emerging countrie...

Utilization of historical data into new knowledge can increase added value for its users, including Mitra Setia Cooperative (KMS) which has debtor that is not utilized. “Not Paid Off” potentioal debtors cannot be detected as early possible. In this study using the Naive Bayes algorithm in classifying feasibility prospective based on classification "Paid Off" and "Not parameter Age, Sex, Amount ...

The estimation of the profit and loss distribution of a loan portfolio requires the modelling of the portfolio’s multivariate distribution. This describes the joint likelihood of changes in the credit-risk quality of the loans that make up the portfolio. A significant problem for portfolio credit risk measurement is the greatly restricted data that are available for its modelling. Under these c...

Classification of whether recovery of non-performing loans NPL is zero or positive is not only important in management of non-performing loans, but also is essential for estimating recovery rate and implementing the new Basel Capital Accord. Based on the largest database of NPL’s recovering information in China, this paper tries to establish discriminant models to predict the loan with zero rec...

By the end of 2011, agricultural population in accounted for 48.73% in China. Also, farmers in China are dispersed and their financial information is incomplete, which leads to credit risk evaluation system of farmers in China is not sound at all. Most Chinese banks even have not established the rating system, so farmer credit risk rating system pressed for solution. This study proposes an inde...

We show that since 1994, branching deregulations in the U.S have signi…cantly a¤ected the supply of mortgage credit, and ultimately house prices. With deregulation, the number and volume of originated mortgage loans increase, while denial rates fall. But the deregulation has no e¤ect on a placebo sample, formed of Independent Mortgage Companies that should not be a¤ected by the regulatory chang...

OBJECTIVE Our purpose was to describe the financial knowledge, habits and attitudes of chiropractic students. METHODS We designed a cross-sectional survey to measure basic financial knowledge, current financial habits, risk tolerance, and beliefs about future income among 250 students enrolled in business courses at one US chiropractic college. Descriptive statistical analyses were performed....

In this study, balanced and single ended class-E power amplifiers (PAs) were designed and realized for 3.5–3.8GHz band by using Gallium Nitride high electron mobility transistor (GaN HEMT). Realizations were made on low loss Rogers RT5880 dielectric material which has 0.254mm thickness and 2.2 dielectric constant. Proposed balanced class-E PA has approximately 20W (43 dBm) output power with 80%...