Energy efficient semiconductor chips are in high demand to cater the needs of today’s smart products. Advanced technology nodes insert high design margins to deal with rising variations at the cost of power, area and performance. Existing run t...
This study extends existing mortality prediction frameworks by incorporating information borrowed from population–gender–age subgroups that exhibit similar mortality patterns. The borrowed information is integrated into classical mortalit...
A mortgage borrower has several options once a foreclosure proceedings is initiated, mainly default and prepayment. Using a sample of FHA mortgage loans, we develop a dependent competing risks framework to examine the determinants of time to default...
This article examines the influence of financial knowledge and personality traits on risky borrowing behaviors among Iranian respondents. A proprietary dataset was used in this study. Logistic regression results indicated that numeracy and knowledge...
Theoretically, fiscal deficit may be inflationary, but its sources of financing can bring change in significance and impact. Malaysia is facing a high tendency of fiscal deficit from the last decade. To finance the fiscal deficit, which sources are l...
The COVID-19 pandemic presented significant challenges to university students. This study explores the financial conditions and borrowing behavior of university students during the pandemic in Bangladesh. The study used a sample of 840 students from...
Financial flexibility occurs when companies borrow less than expected and is widely practiced. A commonly used model to establish the presence of financial flexibility is based on the determinants of the leverage model, which was developed some time...
We study an optimal consumption, leisure, and investment problem over a finite horizon in a continuous-time financial market with partial borrowing constraints. The agent derives utility from consumption and leisure, with preferences represented by a...
This study uses linguistic evidence to examine the cultural dimensions of the term “matchmaker” within Liangshan Yi society, Sichuan, China. The present linguistic analysis reveals that two distinct Chinese words related to marriage were...
We utilize the data of a very large UK automobile loan firm to study the interaction of the characteristics of borrowers and loans in predicting the subsequent loan performance. Our broader findings confirm the earlier research on the issue of subpri...
With the enactment of the Insolvency and Bankruptcy Code (IBC) in 2016, India reformed and unified its fragmented insolvency frameworks into a single comprehensive law designed to prioritize asset maximization and ensure time-bound resolutions. Throu...
Public bicycle systems (PBSs) serve as the ‘last mile’ of public transportation for urban residents, yet the problem of the difficulty in borrowing and returning bicycles during peak hours remains a major bottleneck restricting the intell...
Public financial loans are very complex. However, previous research has largely neglected the effective management of public funds. More specifically, how to maintain the optimal balance between small businesses and loan providers for managing public...
In the EU, the specialty municipal banks have been the traditional funding source besides tax sharing and governmental transfers for Local Governments (LGs). With the decentralization process, LGs experienced different market-based options so that ba...
This paper proposes a novel system-wide multi-state framework to model state occupations and the transitions among current, delinquency, default, prepayment, repurchase, short sale and foreclosure on mortgage loans. The approach allows for the modell...
This paper addresses the problem of missing data in food composition databases (FCDBs). The missing data can be either for selected foods or for specific components only. Most often, the problem is solved by human experts subjectively borrowing data...
Bottom-mounted instrumentation was deployed at two sites on a large sandy shoal of an ebb tidal delta offshore of the Port Royal Sound of South Carolina of USA to collect hydrodynamics and sediment dynamics data. One site (“borrow site”)...
A platform trial is a trial involving an innovative adaptive design with a single master protocol to efficiently evaluate multiple interventions. It offers flexible features such as dropping interventions for futility and adding new interventions to...
Currently countries are facing a new crisis caused by the COVID-19, which leads to the rise of government expenditures and additional borrowing. This situation highlights the importance of examine factors which determine the level of public debt that...
10 October 2021
The peer-to-peer lending market has developed rapidly over the past decade and reveals a severe problem of information asymmetry. This research constructed a four-party evolutionary game model to analyze the influence pathway of the guarantee mechani...
This study examines lexical and syntactic convergence between Dai Lue and Chinese in the multilingual environment of Sipsongpanna, employing an apparent-time approach across three generational cohorts (N = 90, balanced gender). Through mixed-methods...
The article provides an overview of the introduction of German loanwords into the Estonian language from the 13th to the 20th century, as well as their spread in Standard Estonian and dialects. German has functioned as a donor language in both its Lo...
In this paper, we address the utility maximization problem of an infinitely lived agent who has the option to increase their income. The agent can increase their income at any time, but doing so incurs a wealth cost proportional to the amount of the...
Determinants and levels of working capital financing (WCF) in the manufacturing sector have been empirically proven to impact firm profitability across emerging as well as developed nations. With time, firms adjust toward financing their working capi...
Social security systems constitute a structurally significant component of public finance in developing economies and often generate persistent fiscal pressures through budgetary transfers. Demographic transformation, widespread informality in labor...
In Latin America, over 50% of the population has relied on loans from family members or friends, reflecting the importance of trust-based networks in response to financial exclusion. This study examines how distrust in the formal financial system inf...
We examine geographic spillovers in digital credit markets by studying how natural disasters affect borrowing behavior in adjacent, physically undamaged regions. Using granular loan-level data from Indonesia’s largest FinTech lender (2021&ndash...
We analyze the network of cross-border bank lending connections among countries from 1977 to 2018. The network includes core countries that lend money and peripheral countries that borrow money from core countries. In nowadays highly connected bankin...
With the massive access of distributed renewable energy sources, many uncertain renewable energy power components have been added to the low-voltage lines in substations in addition to the loads of definite classification. From the perspective of eco...
The well-known subprime mortgage crisis, which began to manifest in early 2007, since when the effects of the speculative bubble begin to become evident from the increase in default rates in residential mortgages, has triggered a global crisis that h...
Microfinance aims to promote financial inclusion among underprivileged individuals, particularly through progressive microcredit, which enables borrowers to access increasing loan amounts over time. This study examines the conditions under which prog...
Sea level rise and natural disasters, such as hurricanes and tropical storms, are resulting in coastal erosion-related problems across the US. Beach nourishment is one of the most commonly adopted solutions for erosion mitigation. Borrow sources for...
We investigated how a borrower’s adverse environmental, social, and governance incidents affect bank loan contracts. Using a sample of 2001 publicly traded US firms during the period from 2007 to 2016, we found that loans initiated after the occurren...
Major steel-making companies in Korea have recently been trying to advance into international markets for better profitability and new market shares. Even with strategic partnerships with local organizations, the Korean steel companies are facing and...
It is widely recognised that the ability of e-commerce businesses to predict conversion probability, i.e., acceptance probability, is critically important in today’s business environment. While the issue of conversion prediction based on browsi...
In this paper, we study two scheduling problems on a single machine with rejection and an operator non-availability interval. In the operator non-availability interval, no job can be started or be completed. However, a crossover job is allowed such t...
We propose a Markov Decision Process Model that blends ideas from Psychological research and Economics to study decision-making in individuals with self-control problems. We have borrowed a dual-process of decision-making with self-awareness from Psy...
We perform textual analysis to assess banks’ climate-related disclosures in public reports. Banks have greatly increased the quantity and quality of their climate risk discussions over time. We find that higher disclosure scores are associated...
Even though forecasting methods have advanced in the last few decades, economists still face a simple question: which prediction method gives the most accurate results? Econometric forecasting methods can deal with different types of time series and...
Scheduling the charging times of a large fleet of Electric Vehicles (EVs) may be a hard problem due to the physical structure and conditions of the charging station. In this paper, we tackle an EV’s charging scheduling problem derived from a ch...
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The concept of the post-apocalypse, a cultural imagination of nuclear energy, the temporality of trauma, and time travel are linked herein in order to arrive at a political reading of the Dark series. This show is a commentary on the phasing out of n...
Cobalt nanoparticles modified with N-doped hierarchical porous carbon derived from biomass are found to be a highly efficient, reusable heterogeneous catalyst for the coupling of nitroarenes with alcohols, selectively affording imines and amines via...
Audio effects are an essential tool that the field of music production relies upon. The ability to intentionally manipulate and modify a piece of sound has opened up considerable opportunities for music making. The evolution of technology has often d...
The research paper is devoted to developing a mathematical approach for dealing with time-varying parameters in rolling window logit models for credit risk assessment. Forecasting coefficients yields a better model accuracy than a trivial approach of...
In this paper we intend to check the performance of Peer-to-Peer online lending platforms in China. Different from commercial banks, Peer-to-Peer (P2P) platforms’ business process is divided into the market-expanding stage and the risk-managing...
Payroll-anchored retail borrowers—individuals whose monthly remuneration is routed into an account at the lending institution through a salary-project arrangement—constitute the volume backbone of unsecured consumer lending in Kazakhstan,...
The exit-lanes for a left-turn (EFL) is an unconventional method of organizing traffic for left-turns at signalized intersections. In this paper, we propose a nonlinear optimization model to minimize delay by establishing a delay-time diagram for the...
Robust credit risk prediction in emerging economies increasingly demands the integration of external factors (EFs) beyond borrowers’ control. This study introduces a scenario-based methodology to incorporate EF—namely COVID-19 severity (mortality and...
Renewable energy investments require a substantial amount of capital to provide affordable and accessible energy for everyone in the world, and finding the required capital is one of the greatest challenges faced by governments and private entities....
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