scholarly journals An Analysis of Factors that Affect the Quality of Federal Land Bank Loans

1987 ◽  
Vol 19 (2) ◽  
pp. 175-182 ◽  
Author(s):  
William E. Hardy ◽  
Stanley R. Spurlock ◽  
Donnie R. Parrish ◽  
Lee A. Benoist
Keyword(s):  
Debt Service ◽  
Bank Loans ◽  
Total Income ◽  
Discriminant Model ◽  
Financial Conditions ◽  
Total Debt ◽  
Federal Land ◽  
Land Bank ◽  
Loan Amount

AbstractFinancial conditions existing in agriculture are placing severe pressure on lenders as well as borrowers. Data from both good and foreclosed Federal Land Bank loans were analyzed to determine the most important characteristics leading to the failure of loans. The analysis was completed by comparing means through t-tests and the development of a discriminant model. The ratio of total debt service to total income, the debt to asset ratio, the ratio of total loan amount to appraised value, and the ratio of acres in security to acres owned were determined to be the most important discriminating variables.

scholarly journals Determinants of Restructured Farm Loan Performance

1991 ◽  
Vol 23 (2) ◽  
pp. 39-48 ◽  
Author(s):  
Glenn Pederson ◽  
Ananth Rao ◽  
Michael Boehlje
Keyword(s):  
Interest Rate ◽  
Probabilistic Model ◽  
Financial Structure ◽  
Income Level ◽  
Bank Loans ◽  
Farm Income ◽  
Cross Sectional ◽  
Federal Land ◽  
Debt Repayment ◽  
Land Bank

AbstractA probabilistic model is applied to cross-sectional data to identify determinants of post-restructure performance of Federal Land Bank loans. The results indicate that restructured loans were sensitive to factors that determine the debt repayment burden and the repayment ability of the restructured farm operations. Loan performance is found to be relatively more sensitive to the levels of the post-restructure interest rate and cash farm income than to the financial structure and leverage position of the restructured farm. The relationships between the post-restructure interest rate, cash farm income level, and the probability of loan performance are illustrated.

Discretionary Accruals in Italian Private Firms and Non-Linear Bank Loan Granting

2017 ◽  
pp. 83-99
Author(s):  
Elisabetta Mafrolla ◽  
Viola Nobili
Keyword(s):  
Financial Reporting ◽  
Banking System ◽  
Regulatory System ◽  
Discretionary Accruals ◽  
Bank Loans ◽  
Bank Loan ◽  
Banking Union ◽  
Private Firms ◽  
European Banking Union

This paper investigates whether and at what extent private firms reduce the quality of their accruals in order to signal a better portrait to the bank and obtain new or larger bank loans. We measure earnings discretionary accruals of a sample of Italian private firms, testing whether new and larger bank loans are associated with a higher (lower) quality of earnings in borrowers' financial reporting. We study bank loan levels and changes and how they impact discretionary accruals and found that, surprisingly, private firms' discretionary accruals are systematically positively affected by an increase in bank loans, although they are negatively affected by the credit worthiness rating assigned to the borrowers. We find that the monitoring role of the banking system with regard to the adoption of discretionary accruals is effective only when the loan is very large. This paper may have implications for policy-makers as it contributes to the understanding of the shortcomings of the banking regulatory system. This is an extremely relevant issue since the excessive amount of non-performing loans held by Italian banks recently threatened the stability of the European Banking Union as a whole.

scholarly journals Shifts in US Federal Reserve Goals and Tactics for Monetary Policy: A Role for Penitence?

2013 ◽  
Vol 27 (4) ◽  
pp. 65-86 ◽  
Author(s):  
Julio J Rotemberg
Keyword(s):  
Monetary Policy ◽  
Interest Rates ◽  
Great Depression ◽  
Federal Reserve ◽  
Bank Loans ◽  
The Great Depression

This paper considers some of the large changes in the Federal Reserve's approach to monetary policy. It shows that, in some important cases, critics who were successful in arguing that past Fed approaches were responsible for mistakes that caused harm succeeded in making the Fed averse to these approaches. This can explain why the Fed stopped basing monetary policy on the quality of new bank loans, why it stopped being willing to cause recessions to deal with inflation, and why it was temporarily unwilling to maintain stable interest rates in the period 1979–1982. It can also contribute to explaining why monetary policy was tight during the Great Depression. The paper shows that the evolution of policy was much more gradual and flexible after the Volcker disinflation, when the Fed was not generally deemed to have made an error.

scholarly journals (The impact of financial performance assessment on the quality of banking performance An applied study on the Commercial Bank of Chad in the Republic of Chad for the period (2008-2013: أثر تقويم الأداء المالي على جودة الأداء المصرفي دراسة تطبيقية على مصرف شاري التجاري بجمهورية تشاد للفترة (2008-2013م)

2017 ◽  
Vol 1 (6) ◽  
Author(s):  
Mohammed Bukhari Hassan Ali
Keyword(s):  
Commercial Bank ◽  
Financial Distress ◽  
Financial Management ◽  
Financial Analysis ◽  
High Ratio ◽  
Bank Loans ◽  
General Classification ◽  
The Republic ◽  
The Impact

The study addressed the issue of the quality of financial Shari commercial bank management and the extent of their relationship to the funding of competence, to see how the quality of financial management, and to identify its transparency when granting credit, and to identify the general classification of the bank on CAMELS index of the banking classification. Study the problem in the following questions: Are the financial and credit policies of the bank bank?. It is that the bank actually applied followed in the granting of credit financial procedures? Is bank financing of the bank efficient? Is that the bank applied to all financial regulations and decisions of the Organization of the banking business? The study sought to analyze and test the hypotheses: The bank's reliance on financial analysis to rationalize decisions granting Alaitmat lead to the efficiency of the funding. The Bank’s general classification in term of quality, liquidity adequacy, financial level of default and loan-to deposit ratio are within the good classification. The Chari commercial Bank's performance is good. Used in the study are: descriptive analytical method and the historical approach in addition to the deductive approach. The study reached the following findings: The results of the study that there is a positive relationship between the quality of financial management bank (Shari) commercial financing and efficiency, the bank loans relative to deposits above the industry the desired level standard, the bank in case of default Mali due to the high ratio of non-performing loans and by passed the industry standard, the bank is suffering from an acute shortage of liquidity, causing falter in the bank's operations. The most important recommendations of the study: the need for Shari Commercial Bank to measure and find out the loans to deposits ratio and liquidity of the bank continuously to meet the obligations and withdrawals daily is expected, should the bank not to grant loans only after making sure it fits with deposits and ensure liquidity of the bank to avoid potential financial distress, the need to seek to provide all types of banking services offered by the rest of the workforce in the country's banks.

Dynamics of students’ attitude to distance learning (results of longitudinal study)

2020 ◽  
Author(s):  
V. N. Panferov ◽  
S. A. Bezgodova ◽  
A. V. Miklyaeva
Keyword(s):  
Distance Learning ◽  
Financial Incentives ◽  
Learning Experience ◽  
Educational Process ◽  
Educational Technologies ◽  
General Tendency ◽  
Way Of Life ◽  
Financial Conditions ◽  
Research Questions

The article describes the dynamics of students’ attitude to distance learning in the situation of forced transition to distance learning in connection with the COVID-19 pandemic. Students’ attitude to the content, organizational and motivational aspects of distance learning was studied using a questionnaire with online service Google form. The study was organized by the longitudinal method. Measurements of students’ attitude were carried out in the early days of distance learning and at the end of the first month. Research questions concerned 1) assessing changes in the organization of educational process, its efficiency and students’ self-motivation in the first days after the transition to distance learning; 2) changes in attitude to distance learning at the end of the first month: 3) contribution of objective factors (curriculum, financial conditions of study, place of stay during the period of distance learning, experience in the use of online educational platforms, current academic achievements) to the dynamics of the students’ attitude. The participants of the study were 94 students of the 1st-4th year. The results revealed a steady trend to lower evaluations by students the quality of assimilating knowledge, abilities and skills as well as to decrease of learning motivation and quality of interaction with teachers on the subjective background of increasing educational load. The general tendency to worsening assessments of distance learning can be mitigated by such factors as pre-formed competencies in the use of distance educational technologies, external (financial) incentives to learn and the ability to change the usual way of life due to changes in the usual place of residence.

Handling Data Insufficiency Problem in Diagnosing Batch Processes

2003 ◽  
Vol 10 (02) ◽  
pp. 171-184
Author(s):  
Hyun-Woo Cho ◽  
Kwang-Jae Kim
Keyword(s):  
Batch Process ◽  
Batch Processes ◽  
Fisher Discriminant Analysis ◽  
Data Set ◽  
Discriminant Model ◽  
Fisher Discriminant ◽  
Industrial Batch ◽  
Reliable Diagnosis ◽  
Diagnosis Method

To ensure safety of a batch process and quality of its final product, one needs to quickly identify an assignable cause of a fault. To solve the diagnosis problem of a batch process, Cho and Kim6 proposed a new statistical diagnosis method based on Fisher discriminant analysis (FDA). They showed satisfactory diagnosis performance on industrial batch processes. However, the diagnosis method of Cho and Kim6 has a major limitation: it does not work when the fault data available for building the discriminant model are insufficient. In this work, we propose a method to handle the insufficiency of the fault data in diagnosing batch processes. The diagnosis performance of the proposed method is demonstrated using a data set from a PVC batch process. The proposed method is shown to be able to handle the data insufficiency problem, and yield reliable diagnosis performance.

DYNAMICS AND STRUCTURE OF CREDIT COMMITMENTS OF AGRICULTURAL FARMS IN POLAND

2018 ◽  
Vol XX (5) ◽  
pp. 74-80
Author(s):  
Ryszard Kata
Keyword(s):  
Credit Risk ◽  
Financial Risk ◽  
Bank Loans ◽  
Upward Trend ◽  
Loan Portfolio ◽  
The Eu

The analysis of the dynamics and structure of farmers' bank loans was made. The credit debt of farms in Poland was presented against the background of selected countries of the EU and USA. It was shown that the amount of farmers' credit commitments in Poland in 2002-2017 had a lasting upward trend. However, the debt-to-asset ratio of agricultural farms since 2008 has been gradually reduced. The level of farmers' credit indebtedness and the quality of their loan portfolio, in terms of the sector, do not indicate high financial risk for farmers and credit risk for banks. In the case of some indebted farms (about 1.5 thousand), however, there are serious risks related to loans taken and their repayment.

Effects of Tight Money Policy on the Availability of Bank Loans to Small Businesses

1979 ◽  
Vol 4 (1) ◽  
pp. 22-30 ◽  
Author(s):  
C. F. Charles
Keyword(s):  
Time Series ◽  
Time Series Analysis ◽  
Small Businesses ◽  
Commercial Banks ◽  
Statistical Investigation ◽  
Bank Loans ◽  
The Past ◽  
Series Analysis ◽  
Financial Conditions ◽  
Small Manufacturers

Despite efforts in the past, the issue of whether tight money policy unfairly discriminates against small businesses remains an unsettled debate. More statistical investigation of the issue seems to offer the only answer to resolve the issue. This paper presents results from a statistical investigation of the financial conditions of small manufacturing corporations. The time-series analysis covering three cycles and one minor slump during '66–67 reveals that commercial banks did drastically reduce the volume of loans to small manufacturers during tight money periods when large corporations demanded more accommodation from banks.

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