loans and lines of credit to members

... non-L/C loans include mortgages, equipment loans, motor vehicle loans, and other spot loans, many of which may be one-time, or for non-recurring credit needs In the parlance of Wall Street, these loans ... insignificant and that the R2 of the equation is relatively low is that the pricing of loans to small businesses is idiosyncratic and often depends on the reputation and credit of the business ... 1970 "A Credit Scoring Model for Commercial Loans, " Journal of Money, Credit and Banking 2: 435-445 Petersen, M A and Rajan, R G 1993 "The Effect of Credit Market Competition on Firm-Creditor Relationships,"...

Ngày tải lên: 06/03/2014, 08:20

... the one hand, at fixed current time t one needs to determine π t , the current value of the process π On the other hand, the model parameters (the generator matrix of X and parameters of the functions ... argument analogous to the proof of Theorem 3.4 one obtains that gt has 20 a representation of the form (3.18) with integrands αH and γ H given by the analogous expressions to (3.19) and (3.20) Then, ... then equal to the square of this expression 25 A Proofs A.1 Proof of Lemma 3.2 The proof goes in three steps First, we introduce a new measure Q∗ , so that under Q∗ the FM -compensator of µL is...

Ngày tải lên: 29/03/2014, 03:21

... process to measure the credit risk of bank loans, including secured and unsecured loans, for 28 banks in Taiwan The credit risk of bank loans was estimated and compared using discrete- and continuous-time ... the total number of transitions from state h to state j from date t to t+1, and ΔN hj (Ti ) is an increment of this process The assumption is also made in Copeland and Jones (2001) and Lu and ... of total assets is low enough to reach a trigger value, which is assumed to be exogenous Leland (1994) endogenizes the bankruptcy while accounting for taxes and bankruptcy costs Leland and Toft...

Ngày tải lên: 13/07/2014, 21:13

... types of loans The distribution of lines of credit loans and other types of loans by loan purpose is reported in Table Panel C For all loans including both lines of credit loans and non -lines of credit ... acquisition of lines of credit, and then look into the details in the contract terms of these lines of credit, to examine the effect of industry competition on firms’ strategic usage of lines of credit ... industry total number and amount of lines of credit used by total number of firms in the industry, to mitigate the effect of a mechanical association between industry HHI and usage of lines of credit...

Ngày tải lên: 10/09/2015, 09:13

... development of an adapted microflora tolerant to Cd Cadmium has also been shown to be inhibitory to denitrification in a silt loam soil at 10 mg kgy1 (Bollag and Barabasz, 1979), and in clay and sandy ... 0.87% C different soils: River sand, Gley, Gray lowland, Andosol and Humic Andosol (pH 5.7–8.5) different soils—River sand, Gley, Gray lowland, Andosol and Humic Andosol (pH 5.7–8.5)q2% sludge ... Cd toxicity to soil microbes and their activities; (ii) compare its toxicity between field and laboratory studies; (iii) determine the relationship between Cd bioavailability and toxicity; and...

Ngày tải lên: 15/03/2014, 23:21

... effect of DNA on hydrodynamic radius (Rh) of hRad51 hRad51 (1 lM) was incubated with 0, 1, 3, and lM of oligo PUC+ (in the absence of any nucleotide cofactor) followed by the measurement of hydrodynamic ... recruitment of hRad51 to ssDNA The results described in this study help us to understand the transitions associated with the oligomeric states of hRad51 and hRad52 proteins in the presence of ssDNA and ... by asterisk) appear to diminish and that of higher oligomeric forms that enter into the gel (as labelled in Fig 1A) appear to increase in sets containing nucleotide cofactors This trend is consistent...

Ngày tải lên: 16/03/2014, 14:20

... another line of credit If your lender does not want to restore your line of credit, shop around to see what other lenders have to offer You may be able to pay off your original line of credit and take ... terms of your agreement 8 | What You Should Know about Home Equity Lines of Credit Lines of credit vs traditional second mortgage loans If you are thinking about a home equity line of credit, ... Home Equity Lines of Credit  | 3 What is a home equity line of credit? A home equity line of credit is a form of revolving credit in which your home serves as collateral Because a home often is...

Ngày tải lên: 22/03/2014, 18:20

... forwarded to the wrong endhosts or rerouted to other sybil peers We use the Sybil attack to infiltrate OVERNET and the Stormnet and observe the communication to get a better understanding of it Assume ... the area of honeypot technology The main difficulties here are (1) to find out the infection vector and (2) to simulate vulnerable applications While (1) may take some time and is hard to automate, ... normal, connects to the P2P network, and then starts to search for keys in order to find other infected peers and the commands from the controller We monitor the communication and extract from...

Ngày tải lên: 23/03/2014, 13:20

... aggregate level of credit to the private sector or the level of credit supplied to firms, more recent research touches the problem of credit to households A number of studies investigate credit markets ... those of the authors and not necessarily those of the National Bank of Poland Michal Rubaszek at National Bank of Poland, 00-919 Warszawa, ul Świętokrzyska 11/21, Poland and Warsaw School of Economics; ... as the policy functions of individuals cj (x) and aj (x), labor and capital demand of firms (K and L), factor prices (w and r), transfers (tr), tax rates (τr and τw ) and government spending (G),...

Ngày tải lên: 29/03/2014, 06:21

... relating to county and electoral division (ED7) of residence, county, ED and geo-code of place of work, distance travelled, time of departure and mode of transport for the journey to work Mode of transport ... number of cars to own (Alperovich et al., 1999; Bhat and Pulugurtha, 1998 and Cragg and Uhler, 1970); choice of car type (Lave and Train, 1979 and McCarthy, 1996); tourist destination (Eymann and ... discussion of the effect of footpaths and cycle lanes on choice of mode of transport to school in Florida 11 =1 =1 =1 =1 Higher professional Lower professional Non-manual Manual skilled higher professional...

Ngày tải lên: 30/03/2014, 09:20

... relevant to smoking cessation among a population of adult men and women who presented to the ED with symptoms of respiratory illness The results of this study have implications for the feasibility and ... illness) or symptoms of respiratory illness Lower respiratory symptoms included at least one of the following: cough, shortness of breath or wheeze The diagnoses that these symptoms encompass ... year: Number of visits to doctor 6.52 (15.4) Number of visits to ED 4.14 (11.7) Number of hospitalizations 1.19 (6.8 Number of days in hospital 3.6 (12.4) Participants smoked an average of 15.3 (SD...

Ngày tải lên: 21/06/2014, 03:20

... requirements of the matrices P(t) and Q(t) may be relaxed to P,Q ∈ Crd The following is a vector analogue of a result of Bohner and Peterson [6] Johnny Henderson et al 107 Theorem 7.1 Let P,Q ∈ Crd and ... Johnny Henderson et al 103 Proof The proof is similar to that of Theorem 3.3 and so is omitted Remark 3.5 Theorems 3.1, 3.2, 3.3, and 3.4 establish bounds on all solutions to the respective BVPs (1.12), ... Similar to the proof of Theorem 3.1, define an operator T : C([a,σ (b)]; Rd ) → C([a, σ (b)]; Rd ) by (T y)(t) = σ(b) a G(t,s)m s, y σ (s) ∆s + φ(t), (3.26) where G and φ are given in the proof of...

Ngày tải lên: 23/06/2014, 00:20

... drug use and sexual behaviors prior to and during incarceration, tattooing, access to medical care and past medical history was provided to all inmates Overall, 72% of inmates agreed to participate ... prison inmates, to indicate the need for future research to improve the health status of prisoners and to encourage access to health care for the inmate population equivalent to standards available ... According to the official harm reduction joint report from Ministry of Health and Ministry of Justice [53], the availability of education and staff training varies greatly from one prison to another...

Ngày tải lên: 11/08/2014, 18:20

... encompassing residues F139 to G146 and the amphipathic a-helix spanning residues S147 to V165 of the CCD ensure direct binding to DNA and correct positioning of viral DNA to the IN catalytic residues ... to the ROD reference sequence, and a total of 131 mutations were identified This variability is comparable to that reported for the HIV-1 IN (67% of the residues are conserved) [15] Because of ... [14]; and positions were highly polymorphic: N30K/Q (100% of treatment-naïve samples and 93% of the treatment-experienced samples), S39T/A (94% of the treatment-naïve samples and 100% of the...

Ngày tải lên: 13/08/2014, 01:20

... the Uganda Ministry of Health and the offices of the district directors of health services in all the three districts The methodology was also peer reviewed and approved by Uganda Ministry of Health ... and above to have VCT services ** HSSP II target is 50% of all HC III and 100% at HC IV and above to have PMTCT services *** HSSP II target is 75% of all HC IV and 100% of hospitals to have ART ... the protocol and contributed to the article writing Eddie Mukooyo and Sam Okware supervised Uganda ministry of health staff, reviewed the protocol and submitted it for ethical approval and contributed...

Ngày tải lên: 13/08/2014, 13:21

... length of the back and stopped at the small of the back For the measurements of the length of arm and the length of waist to ankle, the right side of the body was used for each subject The length of ... purpose of the study was to conduct analytical testing versus testing to generalize to a total population (Touliatos & Compton, 1988) The research in this study was exploratory for the purpose of ... the results of the analyses are limited Touliatos and Compton (1988) explained that small sample sizes, sizes too small to reflect the total population, are often used in exploratory studies...

Ngày tải lên: 15/08/2015, 01:53

... OLD AND FACTORS RELATED TO STUNTING MALNUTRITION  Evaluation method a) To evaluate malnutrion based on the standard of weight for age (WFA) - Children whose weight is in the range of -2SD (Standard ... from 2000 to 2005, the ratio of stunting is still high and should be paid attention to In this period, this rate reduced only from 33% to 25% According to data of National Institute of Nutrition, ... INDICATORS AND VARIABLES  General information group       Anthropometric indices Evaluating indicators of worm infection Hb index Indicators of assessing knowledge and practice of mother...

Ngày tải lên: 18/08/2015, 15:33

... misregulation of collagen I and the hyperproliferation of fibroblasts / myofibroblasts The response to tissue insult commences at the point of injury, and the initiation of fibrosis ranges from weeks to ... predominant function of HDAC is the modification of histone and chromatin structure, HDACs also interact with a variety of non-histone proteins such as transcription factors and coregulators [Glozak ... Taken together, HATs and HDACs work in concert to regulate 33 gene transcription, and dysregulation of these factors can lead to aberrant processes and disease states 2.5.3.3 The involvement of...

Ngày tải lên: 09/09/2015, 10:14

... INTO REAL TIME CONTROL AND INTERCONNECTION OF MICROGRID TO ELECTRIC POWER SYSTEM Xiaoxiao Yu (B Eng(Hons.), Huazhong Univ of Sci & Tech., China) A THESIS SUBMITTED FOR THE DEGREE OF DOCTOR OF ... from the candidate pool to be his student and patiently training me from a lay person for four years from all aspects of research I also wish to express my gratitude to the members of my graduate ... experimental prototypes Finally, thanks to my parents, Xinsheng Yu and Defeng Shi, for loving me and encouraging me throughout my life I dedicate this thesis to them and to Prof Ashwin M Khambadkone...

Ngày tải lên: 09/09/2015, 18:51

... CRAs to inform consumers of the availability of credit scores when providing file disclosures to them and that there was a benefit to those consumers wishing to purchase a credit score to so ... submitted to: Office of Information and Regulatory Affairs, Office of Management and Budget (“OMB”), Attention: Desk Officer for Federal Trade Commission Comments should be submitted via facsimile to ... that are tied to the purchase of products and services, such as credit scores and credit monitoring Although some advertising predated the Rule, the bulk of the advertising for “free credit reports”...

Ngày tải lên: 18/02/2014, 07:20