The study aimed to analyze the impact of monetary policy on bank credit in Iraq. We depended application standard methods by applying a Nonlinear Autoregressive Distributed Lag (NARDL), based monthly data for time series period (2005 - 2021). results showed positive, long-term positive shock relationship independent variables (money supply, interest rate, inflation and deposits) dependent varia...

A number of geometric active contour and surface models have been proposed for shape segmentation in the literature. The essential idea is to evolve a curve (in 2D) or a surface (in 3D) so that it clings to the features of interest in an intensity image. Several of these models have been derived, using a variational formulation, as gradient flows which minimize or maximize a particular energy f...

This paper discusses liquidity regulation when short-term funding is the marginal funding source of credit growth but generates negative systemic risk externalities. It studies the relative merits of price versus quantity tools, showing that a second best solution may generally involve the use of both types of tools. When banks differ in their credit opportunities, a Pigovian tax on short-term ...

We examine whether credit-spread curves, engendered by a mandatory subordinated-debt requirement for banks, would help predict bank risk. We extract the credit-spread curves each quarter for each bank in our sample, and analyze the information content of credit-spread slopes. We find that credit-spread slopes are significant predictors of future credit spreads. However, credit-spread slopes do ...

0968-090X/$ see front matter 2011 Published b doi:10.1016/j.trc.2011.12.004 ⇑ Corresponding author. Tel.: +44 20 7679 7214. E-mail address: [email protected] (N. Lathia). The increasing availability of sensor data in urban areas now offers the opportunity to perform continuous evaluations of transport systems and measure the effects of policy changes, in an empirical, large-scale, and non-i...

In this paper, we address the medium access control (MAC) problem in ad-hoc networks from the energy-efficiency perspective and develop a residual-energybased collision resolution algorithm (CRA) for energy-limited terminals. In this interval-splitting-based algorithm, packets involved in a collision are partitioned into subsets according to the amount of residual battery energy left at the cor...

We study the link between credit spreads and the heterogeneous formation of expectations in an economy where agents with different perception of economic uncertainty disagree about future cash flows of a defaultable firm. The intertemporal risk-sharing of disagreeing investors gives rise to three testable implications: First, larger belief heterogeneity increases credit spreads and their volati...

The objective of the present research is to study consumer decisions to utilize a line of credit. The life-cycle hypothesis from economics argues that consumers should intertemporally reallocate their incomes over their life stream to maximize lifetime utility. One form of intertemporal allocation is to use past income (in the form of savings) in the future. A second form is the use of future i...

This paper analyzes the credit demand depression phenomenon resulting from long-term institutional supply rationing. Under the interaction between imperfect formal credit system and rural households’ risk aversion behavior, rural households will be discouraged to depress their credit demand or replace it with informal credit, which we call demand-side credit constraints. It find that about 33.7...