Loan decisions

Dividends are a part of a company’s after-tax profits paid to shareholders. Dividends are considered a tool that provides information to investors about the financial health status of a joint stock company. Dividend policy represents the decision between paying profits to shareholders versus retaining profits for reinvestment.

10p leminhvu111 07-06-2024 1 0   Download

The main research purpose of this article is to sort out consumer information without specific personal data and use the target company’s neural network risk control decision model which is based on the risk scoring trajectory. We find the main interpretation variables, and then verify the direction and extent of the target’s influence to verify empirical results and help the target company make a correct decision analysis on the credit applicants’ loans.

13p dathienlang1012 03-05-2024 2 0   Download

This study applies the Decision Tree model to analyze the financial data of 500 individual customers who are granted by commercial banks in Vietnam. This paper proposes a number of solutions to prevent the bad debt of individual customers during the process of credit appraisal at commercial banks in Vietnam.

12p vijihyo2711 25-09-2021 19 1   Download

The research objective of the thesis is to study the factors affecting lending decisions to small and medium enterprise customers at commercial banks in the Northwestern sub-region of Vietnam.

0p trinhthamhodang8 20-10-2020 21 0   Download

Bài viết trình bày kết quả đánh giá bộ cơ sở dữ liệu trong phân loại rối loạn phổ tự kỷ (ASD) trẻ em trên kho dữ liệu UCI. Chúng tôi tiến hành đánh giá bộ dữ liệu với các thuật toán SVM và Random Forest, đồng thời khảo sát thêm các thuật toán Decision Trees, Logistic Regression, K-Nearest-Neighbors, Naïve Bayes, và mạng nơ-ron Multi Layer Perceptron (MLP).

13p viirene2711 03-10-2020 51 3   Download

Chapter 6, discounted cash flows and valuation. When you fi nish this chapter, you should have some very practical skills. For example, you will know how to calculate your own car payments or student loan payments. You will also be able to determine how long it will take to pay off a credit card if you make the minimum payment each month (a practice we do not recommend).

28p nanhankhuoctai3 25-05-2020 9 1   Download

The impact of strong emotions or mood on decision making and risk taking is well recognized in behavioral economics and finance. Yet, and in spite of the immense interest, no study, so far, has provided any comprehensive evidence on the impact of weather conditions. This paper provides the theoretical framework to study the impact of weather through its influence on bank manager’s mood on bank inefficiency.

38p nguyenminhlong19 21-04-2020 3 0   Download

This paper models loan rate-setting behavior, taking into account the product pricing and performance of the borrowing firm, and also calculates the bank’s loan-risk sensitive equity values. The lending function creates the need to model bank equity as a capped call option, which captures the credit risk directly related to management of a firm’s operations.

16p nguyenminhlong19 21-04-2020 20 1   Download

Many corporate finance authors argue that market-based systems should be preferred in countries with high risk tolerance, because high risk offers higher return. However, few authors have empirically examined the relationship between entrepreneurs’ culture and companies’ financial decisions. In addition, most of these authors have focused their studies on the national culture rather than the culture of the individual entrepreneurs. This study aims to analyze the effect of the entrepreneurs’ cultural beliefs on financial choices, more specifically on the bank indebtedness of the company.

22p trinhthamhodang2 21-01-2020 45 1   Download

This study aims to model lenders’ haircut decision specifically for stocks. The mathematical model showed that lenders face a trade-off between profit and risk exposure in a secured loan; consequently, haircuts are determined in the solvency as a stochastic variable. It was assumed coherently to industry practice that lenders use parametric VaR for collateral valuation. In this model, lenders’ probability selection in the VaR approach indicates their risk tolerance, which was captured through to asset liquidity and market volatility expectations.

28p trinhthamhodang2 19-01-2020 26 1   Download

There is no denial of the fact that performance evaluation is a critical managerial attempt in any organization especially financial institutions such as banks. MCDM methods have been utilized as efficient and common tools in many fields such as finance and economy and attract significant attention from public and financial regulators. The numerous opinions and enormous criteria associated with bank performance evaluation confines the implication of any single objective model. Therefore, multi-criteria decision making approach has been applied for this purpose.

19p chauchaungayxua2 04-01-2020 17 1   Download

Microfinance is known as economic crisis manager of rural society. It provides the easy loan along with the skill of financial management and other orientation program. Microfinance is the friend of poor who always become ready to support the poor, marginalized and disadvantage communities. The study aims to identify the social impact of microfinance on the beneficiaries of Syangja district. The data collected were from the 385 beneficiaries of microfinance through structured questionnaire.

14p nguathienthan1 27-11-2019 20 2   Download

Chapter 6, discounted cash flows and valuation. When you fi nish this chapter, you should have some very practical skills. For example, you will know how to calculate your own car payments or student loan payments. You will also be able to determine how long it will take to pay off a credit card if you make the minimum payment each month (a practice we do not recommend).

37p shiwo_ding6 25-05-2019 17 2   Download

(bq) part 1 book "personal financial planning" has contents: understanding the financial planning process, developing your financial statements and plans, preparing your taxes, managing your cash and savings, making automobile and housing decisions, using credit, using consumer loans,...and other contents.

276p bautroibinhyen23 02-04-2017 36 3   Download

Thirty-nine percent of schools that participated in the Direct Loan Program in 2001-02 also participated in FFELP and provided a number of reasons for doing so. Some schools participated in FFELP, in addition to the Direct Loan Program, to provide PLUS loans to parents. Some financial aid officials reported that parents receive better terms for PLUS loans through FFELP. For 57 percent of schools that participated in both loan programs, maintaining relationships with lenders was an extremely or very important factor in influencing this decision.

41p dacotaikhoan 26-04-2013 25 1   Download

In this report we are suggesting that Congress consider clarifying whether Education may regulate loan origination fees charged to borrowers under the Direct Loan Program. In addition, we are recommending that FSA’s Chief Operating Officer take actions to collect information from schools that have left the Direct Loan Program about the factors that influenced this decision, information that could be used to make improvements to the Direct Loan Program, thereby helping FSA meet its goal of improving customer service.

24p dacotaikhoan 26-04-2013 43 3   Download

Similar factors influenced a large majority of schools’ decision to participate in the Direct Loan Program, whereas the factors that led schools to leave the program varied. Four factors—(1) streamlined loan delivery, (2) greater control over loan processes, (3) timely delivery of money to students, and (4) ease of tracking loans over time—were extremely or very important in influencing 70 percent of Direct Loan schools’ decision to participate in the program.

32p dacotaikhoan 26-04-2013 42 4   Download

As part of the upcoming reauthorization of the Higher Education Act (HEA), you asked us to review the status of the Direct Loan Program by answering the following questions: (1) To what extent have schools participated in the Direct Loan Program? (2) What factors influenced schools’ decision to participate in the Direct Loan Program, and if applicable, what factors influenced schools’ decision to stop participating? (3) What steps has FSA taken to increase the user-friendliness of the Direct Loan Program for schools and students?...

78p dacotaikhoan 26-04-2013 36 2   Download

In the development of capital markets, prospective borrowers could be sourced through participating banks (an outreach marketing component of a given intervention), but final credit analyses, loan terms, collateral requirements, documentation, and funding decisions would be made by the program implementers. Once a pool of loans was completed (for example $2 – $5 million), the portfolio would be securitized and sold (to the banks) to the highest bidder on the capital market.

14p loginnhanh 22-04-2013 41 4   Download

For these firms, willingness to expand--and, in particular, to add permanent employees--depends primarily on expected increases in demand for their products, not on financing costs. Bank-dependent smaller firms, by contrast, have faced significantly greater problems obtaining credit, according to surveys and anecdotes. The Federal Reserve, together with other regulators, has been engaged in significant efforts to improve the credit environment for small businesses.

48p trinhcaidat 22-04-2013 81 3   Download