INDIKATOR KOLEKTIBILITAS KREDIT JOINT FINANCING MENGGUNAKAN OLS & LOGIT

This study aims to determine indicators that have a significant effect on debtor collectability. The number of sample data used is 102 joint financing debtors whose loans were realized in 2019, which consists of two groups of 51 debtors that have current and non-current collectability. The analytical method used is the ordinary least square method and the logit regression method, where the combination of the two analytical methods being used at once was not yet found in previous studies. The analysis result using ordinary least squares shows three (3) significant indicators that affect collectability, namely term of the loan, value of collateral and monthly liabilities, with a significance level of 0.05. Meanwhile, the binary logit analysis results in four (4) significant indicators, namely term of the loan, value of collateral and monthly liabilities with a significance level of 0.05 and level of job risk with a significance level of 0.10. The R-squared value in the ordinary least square is 41%, which means that the ten indicators in this study simultaneously affect the collectability variable, while 59% is influenced by other variables not included in this study. The analysis using the logit regression method shows an R-square value of 39% which can be said that the ten indicators altogether affect debtor collectability by 39%.

Analysis of Factors Influencing Credit Access of Vietnamese Informal Labors in the Time of COVID-19 Pandemic

Credit is considered as an essential tool to make informal labor’s income better. In order to improve quality of their life, the state should have some supports them in credit access. This study analyzes factors causing credit access of informal labors to be changed in the time of COVID-19 pandemic. Using survey data collected from 2020 VHSSL (2019–2020), this approach has two models including a binary logit model and a multinomial logit model (MLM). The results revealed that the positive factors including education, material, collateral, credit size, credit source, credit debt which are likely to affect to credit access, however age, family size, ethnicity, interest, paid money are negative. Besides, it also concludes that quality of life of informal labor is considerably influenced by credit access, collateral, credit source, credit debt from the observed samples. Additionally, this paper recommends some policies to enhance informal labor’s access to credit and their quality of life.

COVID-19 Lockdown Restrictions and Small Business Survival Strategy: Government Supporting Schemes

From antiquity to the present day, the contribution of small businesses to the economic development of a country is overwhelming. Nowadays, COVID-19 lockdown restrictions have exerted an outrageous impact on small businesses survival. In developing countries where government-supporting capacity is low, the severity is substantial. The present study predicts the impact of COVID-19 lockdown restriction and government supporting schemes on small business survival. To meet this purpose, the study primarily used PLS-SEM and binary logit models. The results confirmed that over 44% of small businesses would fail in the first month of lockdown restriction. Moreover, only 6% have cash reserve to survive twelve months. In this regard, the present study suggested that the government should have to abstain from total lockdown measures, without government-supporting schemes. As such, the study has examined the relative importance of COVID-19 based special loan, suspension of payments, withdrawal of restricted funds, and exemption of tax and penalty payments. Among these supporting schemes, COVID-19 based special loan is the most important government-supporting scheme followed by the suspension of interest and principal payments. However, the exemption of tax payments and withdrawal of restricted funds were not significant.

Analysing pedestrian–vehicle conflicts behaviour at urban pedestrian crossings

Pedestrian safety has become a serious problem with the rapid growth of motorised vehicle in transportation system in developing counties. Pedestrians often respond differently to changes in surrounding and traffic conditions. A study was undertaken to investigate pedestrians’ gap acceptance and the parameters affecting their risk-taking behaviours based on time-to-collision and post-encroachment-time indexes. Three signalised intersections and two midblock crossings were selected in Qazvin, Iran. A total of 752 pedestrians were examined by video recording and field observation, and pedestrians’ gap acceptance behaviour was estimated by using binary logit model. Results showed that the average time to collision and post-encroachment time were 4.27 s and 1.44 s, respectively. In addition, the presence of children alongside the older pedestrians led to a less risk-taking crossing. Additionally, pedestrian risk-taking was reduced by increasing both time indexes. Rainy weather also reduced pedestrians’ risk-taking behaviour. Elasticity analysis indicated that parameters such as pedestrians’ conflict with vehicles at the first or second half of the crossings, walking with a child, speed of the approaching vehicle, the crossing type and running while crossing were the most important factors in pedestrian risk-taking.

Studying the Role of Personality Traits on the Evacuation Choice Behavior Pattern in Urban Road Network in Different Severity Scales of Natural Disaster

The study of evacuation behavior in response to disaster is necessary for emergency traffic management. As decision-making is not exclusively dependent on observable variables, in this research, it is attempted to study the evacuation choice behavior pattern in emergency response to earthquake disaster by considering both physical and behavioral factors. Personality traits are measured as behavioral latent factors by confirmatory factor analysis (CFA) of the short form of NEO-Five-Factor Inventory (NEO-FFI). A revealed preference survey with more than 700 samples was conducted in Qazvin city (Iran) which was based on real-life earthquake experience and the stated preference survey was conducted for six designated scenarios with different severities and times of earthquakes. Analysis of evacuation behavior is conducted by 3 types of discrete choice models (traditional binary logit model (TBLM), hybrid binary logit model (HBLM), and random parameters/mixed binary logit model (MBLM)). First, TBLM is estimated to study the effect of observable variables on response of people to earthquake disaster. Then, by adding the personality traits to modeling structure and constructing HBLM, the correct prediction percentage of the model increased. This study also considers heterogeneous mixtures of population in terms of income, family size, and five factors of personality traits by MBLM. The MBLM captures the heterogeneous responses of the respondent. By considering these variables as random parameters, the Log Likelihood function and pseudo square (ρ2) of the model increased.

Déterminants de l’accès aux crédits agricole par les producteurs d’anacarde au nord-Bénin

Pour sécuriser les revenus agricoles des producteurs béninois, des mécanismes de financement sont mis en place dans la production d’anacarde. La présente étude identifie les déterminants de l’accès au financement par les producteurs d’anacarde. A cet elffet, des données socioéconomiques ont été collectées par enquête auprès de 160 producteurs de noix de cajou choisis aléatoirement dans deux communes du Nord-Bénin. La statistique descriptive a été utilisée pour caractériser les types de financement. Un modèle de régression Logit binaire a été estimé pour déterminer les variables influençant l’accès aux crédits par les producteurs d’anacarde. Les principaux résultats de cette étude indiquent trois types de financement sont obtenus par les producteurs d’anacarde et financés par divers acteurs. Le sexe, l'âge, l'appartenance à une organisation, les contacts avec les services de vulgarisation et la formation à la production d’anacarde déterminent l'accès au crédit agricole au nord du Bénin. Enfin, a promotion du financement agricole dans la zone d’étude permettra de réguler la capacité à introduire l’agroforesterie dans l’exploitation agricole dans le contexte d’amélioration des conditions de vie et la protection des sols. English title: Determinants of access to agricultural credits by casnacard growers in north Benin In order to secure the agricultural income of producers in Benin, agricultural financing mechanisms have been put in place in cashew production. This study aimed at identifying the determinants of access to finance by cashew producers. To this end, socioeconomic data was collected through a survey of 160 cashew producers chosen at random from two municipalities in North Benin. Descriptive statistics were used to characterize the types of funding. A binary logit regression model was estimated to determine the variables influencing access to credit by cashew producers. The main results of this study indicate three types of financing obtained by cashew producers, which are financed by various actors. In addition, gender, age, membership of an organization, contacts with extension services and training in cashew production determine access to agricultural credit in northern Benin. Finally, the promotion of this financing in the study area will make it possible to regulate the capacity to introduce agroforestry on the farm, all of which contributes to the improvement of living conditions and soil protection.

An Empirical Analysis on the Impact of External Auditing Quality on the Earnings Management of the Iraqi Industrial Companies under financial for the period 2010 to 2017

This study intends to recognize the rate at which Earnings Management (EM) is practiced by Iraqi industrial organizations registered in the Iraq stock exchange and also to distinguish the most essential factors that influence the Earnings Management (EM) practices through the audit quality. This study also intended to distinguish the type of correlation between the characteristics of auditing quality. This study additionally aimed to distinguish the type of correlation between the characteristics of auditing quality and Earnings Management (EM). A model was built to achieve the objective of that study of measuring the correlation between auditing quality and Earnings Management practices. Different statistical methods were employed such as the Binomial Test utilized for the first major silver test, also the Binary Logit test for the other five hypotheses. The results of the research showed that there is a need to establish an oversight committee is working to provide an environment of high-quality auditing work in order to minimize undesirable practices such as the practice of managing earnings. Additionally, the findings indicate the need to educate investors and managements on the adverse effects of management practices profits and making right decision for investment.

Ecological Civilization Demonstration Zone, Air Pollution Reduction, and Political Promotion Tournament in China: Empirical Evidence from a Quasi-Natural Experiment

Using the ecological civilization demonstration zone as a quasi-natural experiment, this study has explored the effect of it on air pollution in China by employing the difference-in-differences model and the spatial difference-in-differences model, and further tested the political promotion tournament in China by employing the binary logit model. The results show that the ecological civilization demonstration zone has basically and effectively reduced air pollution, except for carbon monoxide and ozone. In addition, the spatial spillover effects of the ecological civilization demonstration zone on air pollution are not only basically supported among the treated cities, but also extremely established in the untreated cities neighboring the treated cities. Furthermore, no clear evidence supports the establishment of the political promotion tournament in China, while local cadres tend to cope with the assessment of higher officials passively rather than actively. Overall, this study sheds light on the coordination of economic development and ecological civilization from the perspective of the career concerns of local cadres.