101 research outputs found
Credit scoring for individuals
No full textLending money to different borrowers is profitable, but risky. The profits come from the interest rate and the fees earned on the loans. Banks do not want to make loans to borrowers who cannot repay them. Even if the banks do not intend to make bad loans, over time, some of them can become bad. For instance, as a result of the recent financial crisis, the capability of many borrowers to repay their loans were affected, many of them being on default. That’s why is important for the bank to monitor the loans. The purpose of this paper is to focus on credit scoring main issues. As a consequence of this, we presented in this paper the scoring model of an important Romanian Bank. Based on this credit scoring model and taking into account the last lending requirements of the National Bank of Romania, we developed an assessment tool, in Excel, for retail loans which is presented in the case study.Credit scoring, credit risk, retail loans.
ENTREPRENEURSHIP AND FEMALE ENTREPRENEURSHIP IN MARAMURES COUNTY
No full textInitiating and developing a business involves a considerable risk and a sustained effort in order to defeat the inertia against what is new. The person initiating a business, assuming the responsibility and risk of its development and benefiting from theentrepreneurship, female entrepreneurship, profit, businesses
Econometric Analysis Of Efficiency In The Indian Manufacturing Sector
No full textPerformance in the manufacturing sector, in relation to productivity growth, scale efficiency and technical efficiency in India is dichotomous in nature, depending on whether the firm in question functions in the formal or informal sector. The main differences between these two sectors and the changes over a decade are observed and analyzed, using aggregated data for the entire manufacturing sector in India. Using stochastic frontier approach, and therein the maximum likelihood models, efficiency in the two sectors is compared and verified against factors affecting the levels of efficiency obtained for each major industry category. The results are analyzed against realities on ground-level from a socio-economic perspective.manufacturing, formal, informal, organized, unorganized, returns to scale, technical efficiency, cross-sectional data, maximum likelihood estimation, efficiency gap, India, industries
Şantierul Histria / Le chantier d’Histria
No full textCondurachi Emil, Pippidi Dionisie M., Bordenache Gabriella, Eftimie Victoria, Stoian Iorgu, Popescu Emilian, Dimitriu Suzana, Radu Carmen, Coja Maria, Alexandrescu Petre, Zirra Vlad. Şantierul Histria / Le chantier d’Histria. In: Materiale şi cercetări arheologice, N°6 1959. pp. 265-306
The management of credit risk for individuals and companies loans
No full textThe paper discusses recent changes in the Romanian financial system, with a particular emphasis on the Romanian banking system, and on the credit granting procedures. The factors influencing these mechanisms are classified and analyzed, with the view of mitigating credit risks for both individuals and companies.banking system, credit risk, risk management.
Şantierul arheologic Histria / Le chantier archéologique de Histria
No full textCondurachi Emil, Bordenache Gabriella, Dimitriu Suzana, Eftimie Victoria, Stoian Iorgu, Sâmpetru Mihai, Hamparţumian Nubar, Teodorescu D., Coja Maria, Suceveanu Alexandru, Alexandrescu Petre, Zirra Vlad. Şantierul arheologic Histria / Le chantier archéologique de Histria. In: Materiale şi cercetări arheologice, N°9 1970. pp. 177-223
Şantierul arheologic Histria / Le chantier archéologique d’Histria
No full textCondurachi Emil, Pippidi Dionisie M., Tudor Dumitru, Dimitriu Suzana, Zirra Vlad, Coja Maria, Eftimie Victoria, Alexandrescu Petre, Popescu Emilian, Berciu Dumitru, Preda Constantin. Şantierul arheologic Histria / Le chantier archéologique d’Histria. In: Materiale şi cercetări arheologice, N°4 1957. pp. 9-101
Raport asupra activităţii şantierului Histria în campania 1956 / Rapport sur l’activité du chantier d’Histria en 1956
No full textPippidi Dionisie M., Eftimie Victoria, Stoian Iorgu, Popescu Emilian, Dimitriu Suzana, Coja Maria, Zirra Vlad, Alexandrescu Petre, Berciu Dumitru, Preda Constantin. Raport asupra activităţii şantierului Histria în campania 1956 / Rapport sur l’activité du chantier d’Histria en 1956. In: Materiale şi cercetări arheologice, N°5 1959. pp. 283-328
Şantierul arheologic Histria / Le chantier archéologique d’Histria
No full textCondurachi Emil, Alexandrescu Petre, Pippidi Dionisie M., Bordenache Gabriella, Stoian Iorgu, Dimitriu Suzana, Coja Maria, Petre Aurelian, Popescu Emilian, Eftimie Victoria, Nubar Hamparțumian, Radu Carmen. Şantierul arheologic Histria / Le chantier archéologique d’Histria. In: Materiale şi cercetări arheologice, N°7 1961. pp. 227-271
Şantierul Histria / Le chantier d’Histria
No full textCondurachi Emil, Pippidi Dionisie M., Bordenache Gabriella, Eftimie Victoria, Petre Aurelian, Stoian Iorgu, Dimitriu Suzana, Dumitrescu Carmen, Coja Maria, Alexandrescu Petre, Vîlceanu Dumitru, Coteţ Petre. Şantierul Histria / Le chantier d’Histria. In: Materiale şi cercetări arheologice, N°8 1962. pp. 383-438
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