"Measuring Integrated Market and Credit Risks in Bank Portfolios: An Application to a Set of Hypothetical Banks Operation in South Africa"

Small and medium enterprises are increasingly seen as playing an important role in the economies of many countries. Studies identify adequate and accessible financing as a critical component of SME development. Many SMES are unable to access loans from the commercial banks due to lack of financial knowledge, collateral and credit history. The drive to minimise risks informs the decision of banks to minimise loan approval for SMEs. The question that now arises is how to strike a balance between financial intermediation towards achieving economic development, while reducing operational and credit risks that confront financial intermediation at large, especially banks. The aim of this paper is to investigate the factors affecting the SME lending-decision process of commercial banks and uncover the possible way forward for South Africa

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Measuring Integrated Market and Credit Risk in Bank Portfolios: An Application to a Set of Hypothetical Banks Operating in South Africa

Financial Markets Institutions and Instruments ◽

10.1111/1468-0416.11502 ◽

2002 ◽

Vol 11 (5) ◽

pp. 401-443 ◽

Cited By ~ 12

Author(s):

Theodore M. Barnhill ◽

Panagiotis Papapanagiotou ◽

Liliana Schumacher

Keyword(s):

South Africa ◽

Credit Risk ◽

Bank Portfolios

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Time and Latitude in South Africa

International Astronomical Union Colloquium ◽

10.1017/s0252921100026816 ◽

1972 ◽

Vol 1 ◽

pp. 27-38

Author(s):

J. Hers

Keyword(s):

South Africa ◽

Cape Town ◽

Astronomical Observations ◽

Royal Observatory ◽

The Republic ◽

Astronomical Determination ◽

Limited Accuracy ◽

Better Than

In South Africa the modern outlook towards time may be said to have started in 1948. Both the two major observatories, The Royal Observatory in Cape Town and the Union Observatory (now known as the Republic Observatory) in Johannesburg had, of course, been involved in the astronomical determination of time almost from their inception, and the Johannesburg Observatory has been responsible for the official time of South Africa since 1908. However the pendulum clocks then in use could not be relied on to provide an accuracy better than about 1/10 second, which was of the same order as that of the astronomical observations. It is doubtful if much use was made of even this limited accuracy outside the two observatories, and although there may – occasionally have been a demand for more accurate time, it was certainly not voiced.

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Indirect Rule in South Africa

10.1017/upo9781580467421 ◽

2009 ◽

Author(s):

J. C. Myers

Keyword(s):

South Africa ◽

Indirect Rule

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Combining Professional Interests and Travel: People to People Citizen Ambassador Program

Perspectives on Global Issues in Communication Sciences and Related Disorders ◽

10.1044/gics1.2.47 ◽

2011 ◽

Vol 1 (2) ◽

pp. 47-54

Author(s):

Alex Johnson ◽

Amanda Hitchins

Keyword(s):

South Africa ◽

Health Education ◽

Communication Disorders ◽

Social Conditions ◽

Speech Language Pathologists ◽

Exchange Program

Abstract This article summarizes a series of trips sponsored by People to People, a professional exchange program. The trips described in this report were led by the first author of this article and include trips to South Africa, Russia, Vietnam and Cambodia, and Israel. Each of these trips included delegations of 25 to 50 speech-language pathologists and audiologists who participated in professional visits to learn of the health, education, and social conditions in each country. Additionally, opportunities to meet with communication disorders professionals, students, and persons with speech, language, or hearing disabilities were included. People to People, partnered with the American Speech-Language-Hearing Association (ASHA), provides a meaningful and interesting way to learn and travel with colleagues.

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