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744
Agricultural Lending Decision: A Multiattribute Analysis
- American Journal of Agricultural Economics
, 1985
"... This paper examines the agdcultural loan decision process from the perspective ofthe individual loan officer. An analysis of this process concerns the relative ffects of various criteria on the loan application and the degree to which tradeoffs are made among them by the loan officer. The theoretica ..."
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important insights into this process. Key words: agricultural lending, conjoint measurement. Factors influencing the lending decision to farms can significantly affect their financiai capacity and performance. During recent years, farm operations have become more cap-ital intensive, thus requi ¡ more funds
The Agriciiltural Lending Decision; A Multiattribute Analysis
, 1981
"... The role of commercial bank lending in financing the farm production sector is an issue of growing importance. During the past several years, farm operat ors have become more capital intensive, thus requiring more loans to fund not only seasonal plantings but also capital expansion. While one area o ..."
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been done to model and empirically test the decision process of individual lending officers in this market. Existing studies (i.e., Barry, Baker, and Sanint; Sonka, Dixon, and Jones).have concentrated primarily on.credit analysis of farm firms. The objec tive of this paper is to expand on existing
Lending Decision Model for Agricultural Sector in Thailand
"... contracts performance determines the profitability and stability of the financial institutions, and screening the loan applications is a key process in minimizing credit risk. Before making any credit decisions, credit analysis (the assessment of the financial history and financial backgrounds of th ..."
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contracts performance determines the profitability and stability of the financial institutions, and screening the loan applications is a key process in minimizing credit risk. Before making any credit decisions, credit analysis (the assessment of the financial history and financial backgrounds
Gender Bias Claims in Farm Service Agency’s Lending Decisions
"... This study analyzes the courts ’ denial of women farmers ’ motion for class-action certifi-cation of their lawsuits alleging gender discrimination in Farm Service Agency (FSA) lending decisions. The plaintiffs ’ claim of “commonality ” of circumstances in women farmers ’ dealings with FSA is tested ..."
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This study analyzes the courts ’ denial of women farmers ’ motion for class-action certifi-cation of their lawsuits alleging gender discrimination in Farm Service Agency (FSA) lending decisions. The plaintiffs ’ claim of “commonality ” of circumstances in women farmers ’ dealings with FSA is tested
National debt in a neoclassical growth model.'
- American Economic Review,
"... This paper contains a model designed to serve two purposes, to examine long-run competitive equilibrium in a growth model and then to explore the effects on this equilibrium of government debt. Samuelson [8] has examined the determination of interest rates in a singlecommodity world without durable ..."
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Cited by 698 (0 self)
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durable goods. In such an economy, interest rates are determined by consumption loans between individuals of different ages. By introducing production employing a durable capital good into this model, one can examine the case where individuals provide for their retirement years by lending to entrepreneurs
Journal of Business Cases and Applications Community bank lending, Page 1 Community bank lending decisions: a case illustration
"... This case requires students to analyze the financial position of a small private venture as if they were a loan officer in a community bank. The information presented is less formal than what would be required at a national or regional bank, and many of the issues in the case would not be present if ..."
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This case requires students to analyze the financial position of a small private venture as if they were a loan officer in a community bank. The information presented is less formal than what would be required at a national or regional bank, and many of the issues in the case would not be present if the borrower were a publically held firm. The enterprise being analyzed is generic enough that the firm can be considered to be “local, ” regardless of the location. This allows students to incorporate knowledge of their local economy into the case. Furthermore, this case is very flexible. How much of the solution should be given to the students is a function of the amount of time the instructor wants to devote to the case and the learning objectives to be achieved.
2009b), “The Effects of Sunshine-Induced Mood on Bank Lending Decisions and Default Risk: An Option-Pricing Model
- WSEAS Transactions on Information Science and Applications
"... Abstract: Even though psychological evidence and casual intuition predict that weather may lead to changes in equity returns, little attention has been paid to these changes through asset pricing mechanisms. This paper fills this gap by examining the effects of sunny weather enhanced upbeat mood on ..."
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Cited by 1 (1 self)
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on bank spread management and default risk. An option-based model of bank spread behavior is developed to study these closely related phenomena. The model is designed to indicate the fat tails of loan repayments caused by mood effects induced by good weather. With the good mood influences on bank lending
Banking Relationships and Conflicts of Interest: Market Reactions to Lending Decisions by Korean Banks WOOK SOHN∗ The Bank of Korea
"... This paper examines how the forced closure of failing banks and the transfer of their loans to surviving banks affect the market value of firms borrowing from the closed banks. Surprisingly, the pre-existing banking relationships between firms and banks that acquire their loans are detrimental to th ..."
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to the positive valuation effects of the event followed by the banks ’ own renewal decisions of the transferred loans. Banks have an incentive to favor pre-existing relationships to increase the value of previously extended loans, and therefore loan renewals to firms with prior relationships do not signal
BIS Papers No 22 361 Lending decisions, procyclicality and the New Basel Capital Accord
"... At the end of April 2003 the Basel Committee on Banking Supervision released a third consultative paper (CP3) containing a proposal for a new accord on bank capital (Basel II). The proposal contains important changes with respect to an earlier paper, published in January 2001 (CP2). The reform proce ..."
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At the end of April 2003 the Basel Committee on Banking Supervision released a third consultative paper (CP3) containing a proposal for a new accord on bank capital (Basel II). The proposal contains important changes with respect to an earlier paper, published in January 2001 (CP2). The reform process has been undertaken in response to the increase of financial innovations in banking products
Is relationship lending special? Evidence from credit-file data in Germany
, 1998
"... The German financial market is often characterized as a bank-based system with strong bank-customer relationships. The corresponding notion of a housebank is closely related to the theoretical idea of relationship lending. It is the objective of this paper to provide a direct comparison between hous ..."
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Cited by 167 (6 self)
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The German financial market is often characterized as a bank-based system with strong bank-customer relationships. The corresponding notion of a housebank is closely related to the theoretical idea of relationship lending. It is the objective of this paper to provide a direct comparison between
Results 1 - 10
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744