Factors affecting bank loan quality: a panel analysis of emerging markets

2021 ◽  
Author(s):  
Petr Jakubik ◽  
Eyup Kadioglu
Keyword(s):  
Emerging Markets ◽  
Bank Loan ◽  
Panel Analysis ◽  
Factors Affecting ◽  
Loan Quality

Earnings Momentum and Bank Loan Quality

2020 ◽  
Author(s):  
Shuping Chen ◽  
John M. McInnis ◽  
Christopher G. Yust
Keyword(s):  
Bank Loan ◽  
Loan Quality ◽  
Earnings Momentum

Cross-Border E-Commerce Payments

2021 ◽  
pp. 78-97
Author(s):  
Noor Nahar Begum ◽  
Md Masudul Hassan
Keyword(s):  
Emerging Markets ◽  
National Security ◽  
Economic Life ◽  
Rapid Expansion ◽  
The Internet ◽  
Factors Affecting ◽  
Cross Border ◽  
Doing Business ◽  
The World ◽  
Internet Connections

The rapid expansion of the internet provides the world great achievements both in social and economic life. E-commerce has become one of the serenest ways of doing business and has a persuasive impact on the economy. It is the set of transactions that have been conducted through internet connections and computer networks. This chapter aims to look at the cross-border e-commerce payments. Specially, the chapter has focused on the trends in e-commerce payments, methods of online payments, effects of cross-border e-commerce, factors affecting cross-border e-commerce payments, friction of cross-border e-commerce system, drivers and impediments of cross-border e-commerce, growth of cross-border e-commerce in emerging markets. Moreover, this chapter shows how information has become the blood of e-commerce. It has extensive effects on the economy, society, and indeed national security.

Institutional disparities and asset allocation homologation in Italian defined contribution pension funds. How do they affect the guarantee commitment?

2016 ◽  
Vol 16 (2) ◽  
pp. 205-232
Author(s):  
PAOLA DE VINCENTIIS ◽  
ELEONORA ISAIA ◽  
PAOLA ZOCCHI
Keyword(s):  
Asset Allocation ◽  
Pension Funds ◽  
Panel Analysis ◽  
Defined Contribution ◽  
Factors Affecting ◽  
Main Research ◽  
The Third ◽  
Research Questions ◽  
Actual Return

AbstractThis paper analyzes the performance of the Italian defined contribution guaranteed pension funds during the period 2008–2012 through a panel analysis. This paper is organized around three main research questions. The first one is focused on the probability of a guarantee payment in a given year. The second one deals with the determinants of the gap between actual return and minimum guaranteed yield on a yearly basis. The third one focuses on the factors affecting the weight of administrative and management costs and their relationship with the fund dimension.

Accounting quality, governance standards, and syndicated loan contracts

2016 ◽  
Vol 28 (1) ◽  
pp. 2-15 ◽  
Author(s):  
Liang Song ◽  
Joel C Tuoriniemi
Keyword(s):  
Financial Crisis ◽  
Emerging Markets ◽  
Developed Countries ◽  
Bank Loan ◽  
Accounting Quality ◽  
Firm Level ◽  
Content Type ◽  
Loan Contracts ◽  
Loan Contracting ◽  
Syndicated Loan

Purpose – The purpose of this paper is to examine how firms’ accounting quality affects bank loan contracting in seven emerging markets and whether these relationships are affected by borrowers’ governance standards. Design/methodology/approach – The study sample period is 1999-2007 because the syndicated loan market was severely affected by the East Asian financial crisis of 1998 and the US financial crisis of 2008. The final sample includes 719 loan observations for 75 firms in seven emerging markets. Findings – The authors find that syndicated lenders provide loans with more favorable terms such as larger amounts, longer maturity and lower interest spread to borrowers in emerging markets with higher accounting quality. The authors also find that the influences of accounting quality on syndicated loan contracting for borrowers in emerging markets exist only with higher country- and firm-level governance rankings. The results of this paper suggest that lenders place more value on accounting numbers generated by borrowers in emerging markets with stronger internal and country governance frameworks. Originality/value – Overall, this research provides new insights about how accounting quality affects the contract design. Specifically, the extant literature has demonstrated the effects of accounting quality on financial contracts in developed countries (e.g. Bharath et al., 2008). The authors extend this analysis to borrowers in emerging markets and confirm a similar result. Most notably, the authors explore whether the relationship between accounting quality and syndicated loan contracts is influenced by borrowers’ country- and firm-level governance, and find that accounting quality matters only when accompanied by high-quality governance. This research provides new insights about how accounting quality and governance standards affect the terms of borrowing contracts in emerging markets.

scholarly journals Factors Affecting Technology Transfer of Universities in the LINC (Leaders in Industry-University Cooperation) Program of Korea

2021 ◽  
Vol 13 (18) ◽  
pp. 10027
Author(s):  
Seunghoo Jin ◽  
Kangwon Lee
Keyword(s):  
Technology Transfer ◽  
Financial Support ◽  
Development Project ◽  
Organizational Capabilities ◽  
Panel Analysis ◽  
Practical Application ◽  
Factors Affecting ◽  
University Cooperation ◽  
The University ◽  
The Relationship

The purpose of our study was to propose the measures necessary to promote industry-academic cooperation by investigating and analyzing factors affecting its performance Recently, the Korean government increased the budget available for industry-academic cooperation to help nurture industrial talent and promote industry-academic cooperation. In our study, the results of industry-academic cooperation for 48 universities that carried out the 5-year LINC development project from 2012 to 2016 were analyzed via panel analysis to identify any factors affecting the performance. Our analysis revealed that the organizational capabilities of the university—including the number of dedicated professors, the number of projects assigned, and the financial support—had a significant effect on technical commercialization. In addition, we found that the moderating effect of allied companies on the relationship between the organizational capabilities of universities and their technical commercialization was significant. However, the results of our analysis differed depending on university location. Universities in and around the Capital region benefited from their organizational capabilities and cooperation with allied companies. Based on the results of the analysis, we conclude that it is necessary to consider a variety of factors, including efficient support of the industry-academic cooperation budget and practical application of industry-academic cooperation systems.

scholarly journals Online Shopping in an Emerging Market

2019 ◽  
Vol 2 (2) ◽  
pp. p1
Author(s):  
Toan Do ◽  
Thanh Nguyen ◽  
Cuong Nguyen
Keyword(s):  
Emerging Markets ◽  
Purchase Intention ◽  
Research Method ◽  
Online Shopping ◽  
Emerging Market ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Secondary Research ◽  
Factors Affecting

The emerging market is currently witnessing the active development of online shopping. This study was conducted to analyze the key factors affecting the intention of customers to purchase in Vietnam. This study is conducted by two methods, including "secondary research method" and "quantitative method" for research. Firstly, the author uses the "secondary research method" to refer to previous academic sources for this research. Secondly, the author collected a sample of 349 volunteers in Vietnam who have an understanding and interest in e-commerce. Perceived Usefulness, Perceived Ease of Use, Perceived Transaction Security are reported to have a positive relationship with online purchase intention. They are significant factors affecting the purchase intention of Vietnamese online customers. Other demographic factors can affect online shopping intention, such as age and income, so research cannot represent all customers. Businesses can use the findings to further understand about emerging markets. This trend is the basis for business managers to develop customer attraction strategies and improve the quality of online shopping services. The potential for online shopping is becoming more attractive, especially in emerging markets. This study is in line with the trend of the online shopping industry. The results of this study can help marketers understand more about customers' intentions, thereby building long-term relationships between businesses and customers.

scholarly journals The factors affecting accessibility to credit capital of small and medium enterprises in Vietnam

2019 ◽  
Vol 15 (6) ◽  
pp. 15-25
Author(s):  
Phung The Dong ◽  
Nguyen Thi Hong Nham
Keyword(s):  
Interest Rates ◽  
Small And Medium Enterprises ◽  
Probit Model ◽  
Bank Loans ◽  
Bank Loan ◽  
Factors Affecting ◽  
Business Loan ◽  
The Government ◽  
Medium Enterprises ◽  
The Impact

The difficulty in accessing loans is one of the major barriers to the development of small and medium enterprises (SMEs) in Vietnam. Low accessibility to capital forces SMEs to spend both official and unofficial costs in order to obtain loans, and/or to access the unofficial market at higher interest rates, thereby increasing cost of production of enterprises. Studies suggest that the determinants of bank loan processing through which small and medium enterprises can access official loans include: characteristics of enterprises; indicators, reflecting the performance of enterprises; characteristics of loans; characteristics of enterprises, enterprise owners; geographical position of enterprises; the creditworthiness of enterprises and the role of the network.Purpose of the study.The aim of this paper is the quantitative analysis of the factors, affecting accessibility to credit capital of small and medium enterprises in Vietnam.Materials and methods.This study was conducted on the basis of a survey in December 2017. The survey includes 301 enterprises in Hanoi city. Selected enterprises are also enterprises, surveyed in the annual enterprise survey by the General Statistics Office of Vietnam. This paper uses the Probit and Logit regression approach to estimate the impact of factors, affecting the disbursement probability of a loan of an enterprise. The number of SMEs accounts for 56.69% of the samples. The number of enterprises, applying for a bank loan accounts for 58.4% of the total samples, of which the percentage of disbursed loans for SMEs accounts for only 47.3%. For enterprises without a bank loan, eliminating the reasons for the lack of demand and unwish to be in debt, the main reasons not to access bank loans are high interest rates, complicated loan procedures and insufficient collateral.Results.The results obtained from the Logistic and Probit models show that the estimated coefficients are statistically significant, affecting the probability of taking a business loan, accepted by financial institutions. Although the coefficients, estimated from Logistics model are larger than those estimated from the Probit model, the estimated results show that the direction of impact of the variables in two estimation techniques gives quite similar results.Conclusion.Based on the results of this study, the Government of Vietnam should implement policies to support SMEs in the direction of improving their access to capital. The credit institutions should design products and services suitable to the characteristics of SMEs in Vietnam.

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