In 1785 and 1786, Massachusetts fell into economic depression. When the state government responded with fiscal restraint, many landowning farmers, particularly in the central and western portions of the state, fell behind on loan and tax payments and faced possible foreclosures. Town meetings produced demands for legislative action to protect the vulnerable landowners. The government instead pr...

Borrowing cost reduction by interest rate swaps––an option pricing analysis q Abstract Interest rate swaps generally involve two firms with different credit ratings. A quality spread differential (QSD) is observed to exist at different maturities for firm debts with different credit ratings. The quality spread differential allows two firms with different credit ratings to decrease their borrowi...

The healthcare industry, specifically hospitals and clinical organizations, are often plagued by unpaid bills and collection agency fees. These unpaid bills contribute significantly to the rising cost of healthcare. Unlike financial institutions, health care providers typically do not collect financial information about their patients. This lack of information makes it difficult to evaluate whe...

Abstract –The capital structure in banking has become discussed due to the competition with fintech and bank digital debate about efficiency of its choices. The purpose this paper is investigate dynamics that go into determining a bank's Indonesia. Indonesian banks examined using panel regression model. Profitability, corporate tax, growth, collateral, size all influence banks' financing or dec...

Naidoo v Absa Bank Limited is one of the few cases by a court in which interface between insolvency law and National Credit Act 34 2005 arose since commencement latter 2006. Other highlighting this include Investec Ltd Mutemeri (2010 (1) SA 265 (GSJ)) Ex Parte Ford (2009 (3) 376 (WCC). The enactment has had significantconsequences for scope remedies available to both debtors creditors terms law...