For some time, the Board of Governors of the Federal Reserve System has sought to obtain more detailed and timely information on the debt status, loan payment behavior, and overall credit quality of U.S. consumers. Such information could facilitate the Board's analysis of macroeconomic conditions, improve its understanding of the way credit is provided to consumers, and enhance the System's sup...

Background and Objectives: Pharmacovigilance is central to the control of the menace of adverse drugs reactions. Despite the fact that development of policy and practice framework to improve patients’ safety partly rely on availability of authentic data on pharmacovigilance activities, knowledge about pharmacovigilance activities among healthcare professionals in Nigeria is limited. To help fil...

China has experienced tremendous growth in consumer credit over the past years. One important question is how to preserve a healthy credit sector while at the same time stimulating further economic growth. Credit reporting systems are a crucial part of the vital development of consumer credit markets — they are highly sophisticated in the industrialized countries. However, currently there is no...

In this paper we provide an analysis of credit risk management and the use of credit scoring among European MFIs. With this aim, we designed and sent a survey to the full set of known MFIs operating in Eastern and Western Europe. 58 MFIs completed the survey. We observe that the European microfinance industry has already dedicated substantial effort to risk management, noting that more than hal...

Credit card is one of the convenient way of payment in online shopping. In this on line shopping, payment is made by giving information like card no, security code , expiration date of the Credit card etc . To rectify the risk factors of using the credit card, every card holder’s spending method is modeled by using HMM. By using this authenticated security check the information of transaction i...

Abstract We study whether firms that are led by chief executive officers (CEOs) with law degrees (lawyer CEOs) have different credit ratings and costs of debt from other firms. Our sample consists Standard & Poor’s 1500 1992 to 2020, 9.2% which lawyer CEOs. find these better ratings, compared On average, their cost is 10% lower than CEOs without legal backgrounds. results robust specificati...

This paper sets out to estimate expected lifetime of revolving credit facilities (e.g. credit card products) and is motivated by the introduction of the International Financial Reporting Standard 9 (IFRS 9) and its requirements for loan impairments. The reporting entity is required to estimate lifetime expected credit losses for certain financial instruments. In practice, maximum contractual pe...

OBJECTIVE Sharp injuries constitute important occupational exposure in hospital environment, and perhaps the newly graduated medical and dental students, known as House Officers, in the first twelve months of their practice, are the most vulnerable of all health workers. This study was designed to examine the nature and prevalence of occupational injuries among medical and dental house officers...

Economies of scale, scope, and skill are known to be major drivers or inhibitors for outsourcing business processes but they may play different roles for outsourcing primary or secondary processes. In this paper, based on two empirical surveys with Fortune 1,000 non-banks and Fortune 500 banks in Germany, a comparative analysis reveals different appreciation of (the impact of) economies of scal...