This article seeks to gain insight into the influence of sample bias in a consumer credit scoring model. Considering the vital implications on revenues and costs concerned with the issuing and repayment of commercial credit, predictive performance of the model is crucial, and sample bias has been suggested to pose a sizeable threat to profitability due to its implications on either population d...

Today's developing economy encourages banks to focus on raising funds and channeling credit people who need them meet their needs. The he raises are known as DPK. purpose of this research is examine analyze the effect Third Party Funds, Capital Adequacy Ratio, Non-Performing Loans Interest Rate Stimulant Partial Commercial Bank Credit Distribution listed IDX. This type used quantitative. causal...

In a component-based development approach some kind of middleware technology is used to integrate pieces of software to complex systems. These pieces of software could be implemented in different programming languages and might run on different platforms. The goal of component-based development is to increase productivity by reusing existing or newly written pieces of software. Beside the middl...

On the example of a commercial microfinance institution (MFI) in Tanzania this paper investigates first whether agricultural firms have a different probability to get a loan and whether their loans are differently volume rationed than loans to non-agricultural firms. Second, we analyze whether agricultural firms repay their loans with different delinquencies than non-agricultural firms. Our res...

Credit relationships between commercial banks and quoted firms are studied for the structure and its temporal change from the year 1980 to 2005. At each year, the credit network is regarded as a weighted bipartite graph where edges correspond to the relationships and weights refer to the amounts of loans. Reduction in the supply of credit affects firms as debtor, and failure of a firm influence...

Despite the implementation of several banking sector reforms, the real sector in Nigeria is still finding it difficult to access financial resources especially from the commercial banks that hold about 90% of the total financial sector assets. Nominal interest rate is high causing many firms to avoid bank-borrowing. Other formidable financing challenges are concentration of bank credit to the o...

This study aims to examine the Allowance For Impairment Of Credit Losses in moderating relationship between credit growth and non-performing loans profitability. The population this are all commercial banks listed on Indonesia Stock Exchange 2019-2022. purposive sampling is method used study. data were analyzed by PLS-SEM. test results show that has an effect ROA while NPL does not. moderates R...

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