This study was designed to explore sources of funds for health expenditure of patients if they are hospitalized. We have included 379 patients of 3 private and 7 public hospitals to estimate total expenditure. Of them, 229 (60.4%) were from public and 150 (39.6%) from private hospitals. Mean expenditure was Tk 60,613.3 and 8,262.7, and duration of hospital stay was 10.7 and 11.8 days in private...

We study the effects of usury limits on the market for auto loans and find little evidence of credit rationing. We show instead that loan contracting and the organization of the loan market adjust to facilitate loans to risky borrowers. When usury restrictions bind, auto dealers finance their customers’ purchases and raise the vehicle sales price (and loan amount) relative to the value of the u...

Using 2005 Home Mortgage Disclosure Act data, this study explores problematic mortgage application behaviors including submitting incomplete paperwork when seeking a mortgage, withdrawing a loan application before the lender makes a credit decision, rejecting a lender approved loan offer and accepting a high interest rate loan. Tract-level college completion rates, homeownership rates, and hous...

The real macroeconomic instability and frequent changes in the monetary and banking regulations with financial contagion to the banks’ financial statements in the banking network of Iran cause intensified instabilities in its financial behaviors. In this paper, using statistical analysis and three-dimensional charts, we have analyzed the behavior of the financial statements of consolidated bala...

Providing the best service in order to satisfy users is the main objective of any library. The loan policy is a major tool available to achieve this objective. Previous studies have all focused on the loan period, ignoring the loan policy’s other equally important aspect, which is the maximum number of books a user can borrow. Moreover, only book availability has been used as a measure of user ...

the study assessed beneficiaries’ satisfaction in the management of loag-contract components by cooperatives involved in the farm credit delivery in edo state. the objective was to identify the components of the farm loan contract, examine the management strategies and rate the beneficiaries’ satisfaction of such management strategies. this was done by purposively selecting 40 cooperatives invo...

This paper uses 2005 Home Mortgage Disclosure Act data aggregated by census tract to measure the relationship between census tract-level college completion rates and the rates at which first lien refinance mortgage applicants submit incomplete loan applications, withdraw loan applications before they are reviewed, and reject lender approved loan offers. This paper also explores the relationship...

Increasing default rates coupled with high information asymmetry have the potential to discourage future lenders on Zidisha, an online microfinance platform, from offering money to borrowers at low interest rates. The goal of this analysis is to develop a solution to this emerging problem by improving the quality of information available to the lender about potential borrowers’ riskiness prior ...

Do low interest rate environments lead to greater bank risk-taking? We show that, when banks can adjust their capital structures, reductions in real interest rates lead to greater leverage and higher risk for any downward sloping loan demand function. However, if the capital structure is fixed, the effect depends on the degree of leverage: following a decrease in interest rates, well capitalize...

this paper concentrates on investigating the effect of monetary instruments on macroeconomic variables using structural model over the period 1981- 2006. the main results of simulation show that decrease in the interest rate, increases investment but it's effect on production (gdp) is negligible. this weak effect is probably due to some factors such as, the introduction of some new project...