class Loan { ... protected Loan(...) { ... } } public class TermLoan extends Loan { public TermLoan(...) { super(...); } } public class Revolver extends Loan { public Revolver(...) { super(...); } } public class RCTL extends Loan { public RCTL(...) super(...); } } Refactoring To Patterns, Copyright © 2001, Joshua Kerievsky, Industrial Logic, Inc. All Rights Reserved. Page 17 of 87 The abstract ...

Repayment decisions—how much of the loan to repay and when to make the payments—directly influence consumer debt levels. The authors examine how minimum required payment policy and loan information disclosed to consumers influence repayment decisions. They find that while presenting minimum required payment information has a negative impact on repayment decisions, increasing the minimum require...

By the early 16th century, the Ottoman Empire had emerged as a major military power in Southeastern Europe and the Middle East. The Ottomans were feared and admired by contemporaneous Europeans from Niccol6 Machiavelli to Ivan Peresvetov. The latter regarded the empire of Sultan Mehmed II (r. 1444-46, 1451-81) as a model to be emulated by his own ruler, Ivan IV of Muscovy (r. 1547-84), and inde...

While competition constrains the ability of banks to extract informational rents from lending relationships, their informational monopoly also curtails competition through the threat of adverse selection. To analyze an intermediary’s optimal strategic response to these opposing effects we specify a model where the severity of asymmetric information between banks and borrowers increases with inf...

The world is getting more matured in terms of level of sophistication. At the same time it becomes a threat due to the difficulty of having areas where further sophistication is possible. But, now, the most sensitive problem for all is the severe poverty. It is the darkest chapter of the world where more and more people are enlisting their names. If this process continued for unlimited time, on...

Background: Hospital accreditation is an external evaluation of a hospital’s structures, processes and results by an independent professional accreditation body using pre-established optimum standards. Accreditation has an important role in improving the quality, safety, effectiveness and efficiency of hospital services. This study aimed to examine the effects of hospital accreditation program ...

The purpose of this paper is to study the suitability of loan loss provision (LLP) of Iranian banks when the industry is dealing with earning management behaviors. This goal has been reached using a two-step approach to analyze the discretionary component of LLP and then examine the relevant factors. This empirical study uses an unbalanced panel data of 15 listed banks during the 2006-2017 peri...