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Secured Transaction
29,00 € *
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Generally, a secured transaction is a loan or a credit transaction in which the lender acquires a security interest in collateral owned by the borrower and is entitled to foreclose on or repossess the collateral in the event of the borrower's default. The terms of the relationship are governed by a contract, or security agreement. A common example would be a consumer who purchases a car on credit. If the consumer fails to make the payments on time, the lender will take the car and resell it, applying the proceeds of the sale toward the loan. Mortgages and deeds of trust are another example. In the U.S., secured transactions in personal property (that is, anything other than real property) are governed by article 9 of the Uniform Commercial Code (U.C.C.).

Anbieter: Dodax
Stand: 21.01.2020
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Modelling probability of SME dafaulting loan pa...
39,90 € *
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This study focuses on modelling the probability of Small to Medium Enterprises (SMEs) defaulting payment in the event of them receiving loans.Under investigation were the factors that affect both default and survival of businesses since the default probability was based on survival analysis. Data drawn was analyzed using Cox Regression, a semi-parametric survival technique whose aspects of hazard and survival functions were a base for the analysis.The results interpreted on the basis of the fitted hazard ratios and overall Cox Proportional Hazards Model indicated that there is an inverse relationship between probability of survival and that of default. As reflected by the outcome of this study, businesses that have more time in operation are less likely to default payment. Entrepreneurs pee-possessing self-employment, work experience and training qualifications, have a positive impact on survival of the businesses they are to start and run. In addition,the size of a loan and location of a business have no significant effect on the hazard(risk) associated with lending to SMEs.

Anbieter: Dodax
Stand: 21.01.2020
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Modelling probability of SME dafaulting loan pa...
41,10 € *
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This study focuses on modelling the probability of Small to Medium Enterprises (SMEs) defaulting payment in the event of them receiving loans.Under investigation were the factors that affect both default and survival of businesses since the default probability was based on survival analysis. Data drawn was analyzed using Cox Regression, a semi-parametric survival technique whose aspects of hazard and survival functions were a base for the analysis.The results interpreted on the basis of the fitted hazard ratios and overall Cox Proportional Hazards Model indicated that there is an inverse relationship between probability of survival and that of default. As reflected by the outcome of this study, businesses that have more time in operation are less likely to default payment. Entrepreneurs pee-possessing self-employment, work experience and training qualifications, have a positive impact on survival of the businesses they are to start and run. In addition,the size of a loan and location of a business have no significant effect on the hazard(risk) associated with lending to SMEs.

Anbieter: Dodax AT
Stand: 21.01.2020
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Rule of 78s
39,00 € *
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Please note that the content of this book primarily consists of articles available from Wikipedia or other free sources online. Also known as the sum-of-the-digits method, the Rule of 78s is a term used in lending that refers to a method of yearly interest calculation. The name comes from the total number of months'' interest that is being calculated in a year (the first month is 1 month''s interest, whereas the second month contains 2 months'' interest, etc.). This is an accurate interest model only based on the assumption that the borrower pays only the amount due each month. If the borrower pays off the loan early, this method maximizes the amount paid by applying funds to interest before principal....by Dela Blunt Alex Mbugua A simple fraction (as with 12/78) consists of a numerator (the top number, 12 in the example) and a denominator (the bottom number, 78s in the example). The denominator of a Rule of 78s'' loan is the sum of the digits, the sum of the number of monthly payments in the loan. For a 12 month loan, the sum of numbers from 1 to 12 is 78 (1 + 2 + 3 + . . . +12 = 78).

Anbieter: Dodax
Stand: 21.01.2020
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Rule of 78s
40,10 € *
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Please note that the content of this book primarily consists of articles available from Wikipedia or other free sources online. Also known as the sum-of-the-digits method, the Rule of 78s is a term used in lending that refers to a method of yearly interest calculation. The name comes from the total number of months'' interest that is being calculated in a year (the first month is 1 month''s interest, whereas the second month contains 2 months'' interest, etc.). This is an accurate interest model only based on the assumption that the borrower pays only the amount due each month. If the borrower pays off the loan early, this method maximizes the amount paid by applying funds to interest before principal....by Dela Blunt Alex Mbugua A simple fraction (as with 12/78) consists of a numerator (the top number, 12 in the example) and a denominator (the bottom number, 78s in the example). The denominator of a Rule of 78s'' loan is the sum of the digits, the sum of the number of monthly payments in the loan. For a 12 month loan, the sum of numbers from 1 to 12 is 78 (1 + 2 + 3 + . . . +12 = 78).

Anbieter: Dodax AT
Stand: 21.01.2020
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Trends in NPAs of the Scheduled Commercial Bank...
39,90 € *
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Non Performing Asset or Non Performing Loan is defined as a credit facility in respect of which the interest and/or installment of Bond finance principal has remained 'past due' for a specified period of time, presently 90 days. NPAs are problematic for financial institutions since they depend on interest payments for income. NPAs will eat the profits of the Financial Institutions. Huge NPAs may lead to closure of the Financial Institution. If they are not managed properly, can crash the Economic system. Hence due care and attention should be given to NPA Management.

Anbieter: Dodax
Stand: 21.01.2020
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Trends in NPAs of the Scheduled Commercial Bank...
41,10 € *
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Non Performing Asset or Non Performing Loan is defined as a credit facility in respect of which the interest and/or installment of Bond finance principal has remained 'past due' for a specified period of time, presently 90 days. NPAs are problematic for financial institutions since they depend on interest payments for income. NPAs will eat the profits of the Financial Institutions. Huge NPAs may lead to closure of the Financial Institution. If they are not managed properly, can crash the Economic system. Hence due care and attention should be given to NPA Management.

Anbieter: Dodax AT
Stand: 21.01.2020
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USA Capital
45,00 € *
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Please note that the content of this book primarily consists of articles available from Wikipedia or other free sources online. USA Capital was a lending service run by Tom Hantges, Joe Milanowski and Paul Hamilton. The company solicited money from investors which it used to make short-term, high interest loans to property developers. This type of loan is sometimes called a trust deed loan. Investors had fractional interests in the loans for which they received regular interest payments, typically in the range of 11-14%. The loans, although not risk-free, were collateralized with real estate and were considered a generally safe investment. Most loans were repaid in 12-18 months. On April 13, 2006 the company surprised over 6,000 investors when it declared bankruptcy. At the time of insolvency the company was managing $962,000,000 in investor assets, making it the biggest bankruptcy case in the history of Nevada.

Anbieter: Dodax
Stand: 21.01.2020
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Adjustable-Rate Mortgage
34,00 € *
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An adjustable rate mortgage (ARM) is a mortgage loan where the interest rate on the note is periodically adjusted based on a variety of indices. Among the most common indices are the rates on 1-year constant-maturity Treasury (CMT) securities, the Cost of Funds Index (COFI), and the London Interbank Offered Rate (LIBOR). A few lenders use their own cost of funds as an index, rather than using other indices. This is done to ensure a steady margin for the lender, whose own cost of funding will usually be related to the index. Consequently, payments made by the borrower may change over time with the changing interest rate (alternatively, the term of the loan may change). This is not to be confused with the graduated payment mortgage, which offers changing payment amounts but a fixed interest rate. Other forms of mortgage loan include the interest only mortgage, the fixed rate mortgage, the negative amortization mortgage, and the balloon payment mortgage. Adjustable rates transfer part of the interest rate risk from the lender to the borrower. They can be used where unpredictable interest rates make fixed rate loans difficult to obtain.

Anbieter: Dodax
Stand: 21.01.2020
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