Analysis of Credit Access, U.S. Agricultural Productivity, and Residual Returns to Resources

We examine the relationship credit access has had with the U.S. agricultural productivity and residual returns to resources. Our theoretical analysis suggests that limited credit access can be sufficient to prevent a representative farmer from maximizing both short- and long-run profits. Empirical results show that increased credit access is positively associated with both productivity and residual returns to resources. Our findings imply that one way to stimulate the U.S. agricultural productivity growth is to increase credit access. They also provide strong empirical support for the productivity-stimulating value of programs such as the Farm Service Agency’s Farm Loan Program.

Peran Wakaf Tunai terhadap Peningkatan Kesejahteraan dan Kemaslahatan Masyarakat:

The development of waqf management from land and building waqf has a cash waqf that can be a welfare value for Muslims in the management of their assets, especially in the waqf institution in charge of managing waqf or nadzir in order to be more competent in handling cash waqf issues. The purpose of this study was to determine the role of cash waqf in improving the welfare and welfare of the community. The research method used is qualitative descriptive and observation, interview and documentation data collection techniques. The results of this study indicate that the role of cash waqf in improving welfare has been held by KSPPS Khaeru Umah, this is obtained because with the benefits of cash waqf called Productive Loans generate profits or profits in business or business. From the indicators of maqashid al-shari'ah that are used there are five aspects including the assets (al-Maal) which serve as a benchmark for the well-being of al-mauquf alaih, in addition it is accompanied by an increase in religious aspects (ad-Din) which are considered to have the most important strength in among other aspects of maqashid al-shari'ah. In terms of improvement can be said to increase for the welfare of al-mauquf alayhi. In the analysis before and after receiving benefits from Productive Loans al-mauquf alaih in terms of business or business did not experience good development, but after the receipt of protab al-mauquf alaih get additional capital from the business so that it can be managed well and even develop to the results or its profit can increase significantly, this can be said that with the role of cash waqf called the Productive Loan program that has been held by the Kaeru Ummah KSPPS it has a pretty good influence or impact on al-mauquf alaih.

Legal Review of Financial Technology Peer To Peer Lending Based on Indonesian Collateral Law Perspective

In fulfilling everyday needs, certainly needing equipment and supporting equipment in practice. However, due to limited capital, the background of the birth of legal entities from the government to the private sector offered a program to lend money which was then used for capital. In the process, this loan is often called a credit agreement in which the minimum requirement is a guarantee that will later be used as a collateral object. The guarantee acts as an addition (accesoir) to the main agreement which is to convince the creditor of the assets of the debtor and their ability to make payments later. Because not everyone has sufficient assets to make a loan, a guarantee institution arises that provides a loan program without using collateral. In connection with the development of technology, a new program was born, namely peer to peer lending based on financial technology. Ease in requirements and track record written in a system is the attraction of this type of loan, but because it is regulated by the system, there can be a mismatch of what is promised.

The Impact of No-Loan Program Participation on the Likelihood of Graduate School Enrollment Among Low-Income, First-Generation Students

Previous research shows that low-income and first-generation college students are less likely to obtain the benefits associated with attending graduate school. No-loan programs, which typically administer financial aid through institutional grants, are designed to improve access and success among students from low-income backgrounds, but we know very little about the influence of noloan programs after students enroll and eventually graduate from college. This study examines the impact of no-loan program participation on graduate school enrollment by leveraging a novel institutional dataset and employing regression discontinuity, difference-in-differences, and propensity score weighting approaches. Results indicate that no-loan program participation has a positive and relatively consistent impact on graduate school enrollment among low-income and first-generation students.