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Project finance is characterised by a range of specific features in comparison with standard financing sources such as corporative or credit financing. In most cases, the difference arises from the characteristics of the borrower and way of generating cash for loan repayment. Accordingly, if the project...

Agricultural’s graduate works in a bank, a graduate majoring in economics became a journalist, and a law graduate into a credit analyst; this fact leads us to the question of what causes a gap between the world of higher education and the labor market. Rapid changes in the working world as a result of...

In practice, Notaries and Land Deed Officials (PPAT) often refuse to issue a deed for cross-country mixed marriage couples who intend to apply for financing at Sharia banks or credit at conventional bank with mortgage right collaterals. The reason for this reluctance is that the providing Sharia financing...

Cultural creativity industry has gradually become a pillar industry of China's national economy, its rapid development and concentration can not be separated from the support of financial industry and financial policy. In this paper, spatial factors are added creatively, and the current and inter-temporal...

Globalization continues to have a major impact on the economic aspect. The field of marine transportation plays an important role and becomes one of the supports to the smoothness of economic development. The shipping business development brings the consequences of increasing interest in credit with...

Universitas Negeri Semarang (UNNES) is located in Gunungpati District, Semarang City which is morphologically rural. Rural characteristics can be seen from the dominance of land cover which is still in the form of green open land. Land built with high density is only found in areas directly adjacent...

As counter-cycle tools, macroprudential policies have been utilized extensively in Asia to limit credit growth and tame housing price inflation. Utilizing a new policy action dataset and macroeconomic data of Hong Kong SAR, this paper analyzes the effects of macroprudential policies on stabilizing the...

Distance learning through a student exchange program will maximize its results by combining its activities with other independent studies (called MBKM) programs, namely independent study activities. Independent projects can realize students’ ideas in developing creative, innovative products and improve...

The purpose of this research is to redesign the X application with a primary focus on improving user experience, based on user reviews available on the App Store. The X application is an account-based digital financial service that enables users to independently conduct various transactions via mobile...

C2C e-commerce credit evaluation issues related to credit people online transactions. Articles from the system score and score two modules buyer, seller built C2C e-commerce credit evaluation index system in the amount of the transaction, current credit buyer, the seller of credit history, the quality...

Supply Chain Finance (SCF) evaluate the enterprise financing credit risk from the perspective of supply chain, and then solve the financing problem of small and medium enterprises. In this paper, through the establishment of game model, games of perfect information and two parties for accounts receivable...

With the fast and bursting development of finance science and computer technology and in the era of big data and the Internet, Internet companies have adequate advantages of data to step into the financial industry. Data analysis and mining techniques have helped us build more robust and feasible systems...

The paper aims to understand how the foreign idea of Credit Union can be accepted as a new economic opportunity among the Dayak ethnic groups in West Kalimantan. This idea came originally from Germany and reached the interior areas of West Kalimantan. Thanks to missionaries and to local activists for...

People’s believes that forms the aqidah relating to work may affects the optimal performance of individuals in the organization. Previous researches state that well-implemented Islamic work ethics has a direct and positive influence on various dimension of attitudes in organizational change and individual...

This paper focuses on the issue of leaders and financial risks in small and medium enterprises (SMEs). Business leaders who are often the managers or owners of small enterprises are the first to face the risk and to suffer most severely from their outcomes. Thence, they need to be aware of all possible...

Notional Interest Deduction (NID) regimes, which were implemented for the first time in Belgium, have provided many results and benefits for Belgium. The introduction of NID strengthens the attractiveness of Belgium as a favorable location for treasury centers and capital-intensive investment in general....

As the number of online financial transactions increases, the problem of credit card fraud detection has become quite urgent. Machine learning methods, including supervised and unsupervised approaches, have been proven to be effective to detect fraudulent activities. In our previous work presented at...

Undergraduate tutorial system is an important way and key measure for the deepening of education and teaching reform in colleges and universities, and optimizing the education of people and talents. The implementation of the full credit system in colleges and universities gives students more freedom...

Under the influence of the gradual rise and development of Internet Banking, there are many kinds of lending platform for college students in market. These platforms are uneven that let users face a series of unknown risks. Facing this special group of college students, the risk of loan business is inevitable....

The article presents the methodology of realization of the public-private partnership mechanism in cultural industry, balanced in terms of the correlation between risks and responsibility. This mechanism will allow to reduce costs, ensure investment and lower the risk level in the industry of culture,...

To solve the credit problem of e-commerce, we should start with the construction of e-commerce credit system. The construction of credit system is a huge and complex system project, which must be cooperated by government, industry, enterprises, consumers and media. This paper analyzes the credit problems...

The article delves deeply into how big data technology is applied in managing financial risks within the supply chain of commercial banks. Through the examination of various supply chain financial risks and their integration with real-world commercial bank scenarios, the study details the role of big...

With the implementation of the registration system, the activity in mergers, acquisitions, and reorganizations in the capital market has increased, and the “Performance Commitment” centered put-option agreements have become widespread. However, the fraudulent behavior of some companies using related-party...

The digital and inclusive advantages of digital inclusive finance, an emerging business, have contributed to high-quality economic growth, and energy transition has led a vital role in this process, but few articles have examined the association among digital financial inclusion, energy transition and...

With the continuing reform of higher education system and further refinement, the construction and optimization of complete credit system has become a hot spot in higher education theory and practice, teaching team building is one of the focus points of the complete credit system construction. The various...

The government’s ability to mobilize public savings is one of the financial system functions that should work well. The literature on economic growth theory suggests that changes in the saving rate will cause an acceleration (deceleration) of capital accumulation, increasing (decreasing) economic growth....

The financial and financing industry, particularly the multifinance sector, is undergoing significant transformations due to digital technology. This research investigates the impact of digital technology on the multi finance industry in Indonesia, focusing on the credit scoring system that addresses...

Banking risk assessment is essential to maintaining financial stability, complying with regulations, and preventing bad debts. Effective risk management helps banks maintain customer and investor trust, avoid bankruptcy, and maintain profitability. Well-managed risks also allow banks to diversify their...

The rules and regulations established by the State Grid and its provincial branches have served as the framework for procedures regulating outsourcedscientific research projects, including project bidding, contract management, implementation and acceptance. Efforts have been made to explore the credit...

The financing structure holds substantial theoretical and practical significance as a research topic. As a key driver and foundational sector of the national economy, the real estate industry plays a crucial role in economic development. Investigating the influence of financing structure on enterprise...

This study explores the implementation of experiential learning approach in a four-credit Classroom Management course in an EFL teacher education program. There were 74 students participating in this study. The experiential learning cycle follows that of Kolb's theory which consists of concrete experience,...

The credit risk faced by developing agricultural supply chain finance includes external factors and internal factors. External factors include the natural environment, economic environment, legal environment, and credit environment. Internal factors include information asymmetry, core enterprise default,...

As an important part of China’s national economy, small and medium-sized enterprises (SMEs) play an important role in promoting China’s economic growth, expanding jobs and increasing national tax revenue. However, due to the small scale of SMEs, low level of credit, lack of collateral, they are often...

This article uses the method of empirical analysis to analyze the credit risk of more than 20 light industrial enterprises listed in China, the United Kingdom, and the United States, with the data of their working capital, earnings before interest and tax, retained earnings, the market value of equity,...

How to solve the SME (small and medium-sized enterprises) financing difficulty domestic scholars has always been the hot topic to study, the enterprise net cash flow condition will determine the fate of the business, supply chain financing provides new ideas for to solve this problem. This paper researched...

Accelerating the construction of credit system in the countryside is an effective way to meet the fund demands of the "agriculture, countryside and farmers", because it helps to prevent credit risks, improve farmers' access to credit, and reduce the cost of financial transactions. In the long run, to...

It is the forefront research direction for credit risk management field to explore the theory and method of social-economic entity credit characteristics evaluation, improve and deepen the market-economy entity credit evaluation system. The paper improves various “modern” credit risk evaluation modes...

The purpose of this study will be to analyze financial development on economic growth high-income countries. This study uses the panel data with a fixed effect model approach. Data is secondary data starting from 1998–2019 sourced from the World Bank. The results showed that, domestic credit to private...

This paper points out that the key of the current China monetary policy cannot effectively promote the economic growth of the local government is central to the relationship between competition and credit preference for state-owned enterprises, strengthen the local government intervention, reduce the...

In the digital era, identity is very important to protect because it is a representation of a person in an electronic system. Along with the development of information technology, this type of crime is also developing along with the emergence of cybercrime. One type of cybercrime that threatens a person’s...

With the rapid development of Internet financial credit business, credit evaluation has become a hot spot in the development of the industry. Aiming at the problem of complex data type and large amount of data in original data set, an evaluation model based on Gradient Boosting Decision Tree (GBDT) and...

For the development of financial inclusion in China, the emergence and development of financial science and technology has played an important role. Among them, with the gradual improvement of the social system, financial inclusion is used more and more widely, which can solve the situation that credit...

Banks are the heart and pulse of the trade and economic development of a country. Therefore, banks become one of the financial institutions that have an essential role in driving a country’s economy, including Indonesia. The management of government banks has not comprehensively improved the quality...

One of the Merdeka Learning programs at Merdeka Campus is the implementation of Credit Earning activities. The credit earning system can be applied with face-to-face learning and distance learning. The Agribusiness Study Program is conducting credit earning activities with Distance Learning with 4 private...

Not every people has the same willingness to make a full cash payment for a real estate purchase. Their financial capability to pay in cash and more aside, some people might decide that their reserved cash would better be allocated elsewhere to cover other needs, such as business financing or other investments....

This study aims to examine how the acceleration of economic recovery can predict the success of restructuring non-performing loans for bank debtors due to the Covid-19 pandemic. A triangulation method with a qualitative approach was conducted to investigate primary data obtained from interviews with...

With the rapid development of the digital economy, the penetration rate of digital payments in my country has increased significantly. This study conducted the following research based on the actual situation and drew the following conclusions. The research confirms that system convenience,...

In order to understand the behavior of college students' campus loans, this paper starts from the process of campus loan operation, analyzes the advantages and disadvantages of the university college students' school loan, and analyzes the current existence of college students' credit in colleges and...

In this paper, we present improved methods of credit scheduling algorithm of Xen. By using gray-box knowledge reasoning technology, we are able to identify the IO task in the internal workload of each virtual machine. By using this information of the internal workload, we proposed a Boosting mechanism...

The relationship between credit risk transfer and financial stability were reviewed from two perspectives of the individual banks and financial system in this paper, in which focusing on the instruments of credit risk transfer and the incentive to monitor loan, as well as the differences of measurement...