Factors Affecting Loan Payment - 1723 Words

Tropentag 2009 University of Hamburg, October 6-8, 2009 Conference on International Research on Food Security, Natural Resource Management and Rural Development ========================================== Factors Affecting on loan Repayment Performance of Farmers in Khorasan-Razavi Province of Iran Mohammad Reza Kohansal Assistant professor of agricultural economic dep., Ferdowsi University of Mashhad, Iran Hooman Mansoori Msc student of agricultural economic dep., Ferdowsi University of Mashhad, Iran Abstract This study investigated the factors influencing on repayment behavior of farmers that received loan from agricultural bank by using a logit model and a cross sectional data of 175 farmers of Khorasan-Razavi province in 2008.†¦show more content†¦These authors simulate probabilities of default and default costs on zero-down payment loans and then compare the results with conventional underwriting standards. They estimate that, if low-income borrowers are enticed by zero-down payment requirements and if no adjustment for the higher default rates is made, the cost of the implicit subsidy would amount from $74,000 to $87,000 per million dollars of lending. Quercia et al. (1 995) show that a lower loan-to-value (LTV) ratio at the time of origination (i.e., higher down payment) leads to lower default rates for rural, low-income borrowers. These authors focus on the 1981 Farmers Home Administration Section 502 program and show that, while contemporaneous equity value in rural low-income mortgage loans is not associated with default, crisis events are. Van Order et al. (2000) find, however, that the default behavior of both low- income and average-income groups is responsive to negative contemporaneous equity, while default rates and default losses are higher for low-income borrowers. Moreover, the influence on credit risk of individual and neighborhood income is small for LTV less than 80 percent, but it ranges from 15 up to 50 basis points for very high LTV ratios. Enticing low-income mortgage borrowers with lower down payment requirements thus Increases the risk of default. Oladeebo (2008) examined socio-economic factors influencing loan repayment among small scale farmers inShow MoreRelatedStudent Loan for Higher Education764 Words   |  3 Pagesdifficulty financing their children’s education. To resolve this problem, they need to find a lender who can help them to pay for their children’s tuition fees. We often hear about personal, home, or car loans, but for the purpose of this research, I will shift my focus towards education loans. An education loan is basically funding provided by an entity which typically the government, a bank, or an organization to help a student pursue their studies by covering things such as their tuition fees, cost ofRead MoreGovernment Housing Policy On Home Ownership Rates1133 Words   |  5 Pagesused to benefit homeowners and direct subsidies designed to alleviate the financial pressure of owning a home. Following, we examine the effectiveness of the primary government entities that provide benefits to homeowners. Fannie Mae, Federal Home Loan Bank, and Freddie Mac are three major government entities that provide benefits to homeowners. Using the results from the reports â€Å"Accounting for Changes in the Homeownership Rate† and â€Å"Mortgage Innovation, Mortgage Choice, and Housing Decisions†Read MoreRefinancing Your Student Loans972 Words   |  4 PagesRefinancing your student loans means that a private lender is essentially buying your Federal student loans, paying them off, and creating a new loan that it will lend to you on new, original terms. The new terms of your refinanced loan will be based off your credit reports, credit score, and other requirements. The new private loan terms include, among other things, a new interest rate and potentially a new term (the length of time over which you have to repay your loan). For example, you couldRead MoreResearch Paper On Capital Loaning897 Words   |  4 Pagesor improving your current one, a working capital loan can secure you the funding you’ll need to reach your goals. The New York Federal Reserve reports that 45% of U.S. small business owners applied for financing in 2016. If you’re projecting a need for additional funding for business purposes, there are a few questions worth asking before you sign off on any loan application. 1. What’s my purpose timeframe? Identifying the purpose for your loan can help you better pinpoint the right amount ofRead MoreNew Opportunities And Safe Loan Standards For Home Ownership1323 Words   |  6 PagesAmerican’s dream. Making this dream a reality requires hard work, perseverance, and an understanding of the housing market and loan options. It also requires a confidence in the economy and job market that many people justifiably do not have after a devastating housing crash. However, as our nation recovers from this crisis, we look ahead to new opportunities and safe loan standards for home ownership. â€Å"Like a boomerang,† a Sarasota Herald Tribune article describes â€Å"†¦recession-battered [boomerangRead MorePurchase A Used Car Loan Rates911 Words   |  4 Pagesincluding used car loan rates typically running several points higher than for new car loans. Add in a handful of used car financing mistakes and your so-called â€Å"deal† may quickly sour. Mistake No. 1 — Not Knowing Your Credit Score Make any credit-based purchase and lenders will obtain your credit score, a three-digit number that rates your creditworthiness. Consumer credit scores range from 300 to 850 with a higher credit score better for obtaining a low-interest rate loan. Higher rates are offeredRead MoreThe Problem Of Rising Student Loan Debt1495 Words   |  6 Pagesfour, a large number of the social problems described in the text can and does directly relate to myself, as well as, my family especially regarding the matter of education. However, the problem directly affecting my family and I is the emerging social problem of rising student loan debt. Student loan debt is a problem that has begun to seep into the very mainstream of society as more and more individuals attend college, especially those with great financial needs. Personally, I am lucky to say thatRead MoreStudent Loan Debt And Its Effect On Our Economy1431 Words   |  6 PagesPortfolio Project Throughout the years student loans has increasingly began to affect our economy and is a large and growing issue. Mounting student loan debt is ricocheting through the United States, now affecting institutions and economic patterns that have been at the core of America s very might (Holland 2015). General economic principles are affected by the constantly growing student loan debt in the economy. Macroeconomic indices are identified and defined with their roles in student debtRead MoreResearch Proposal1706 Words   |  7 PagesSYLVIA NYANDUKO OGEGA ECO/1003/09 †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ LECTURER: DR. OMONDI OPIYO DATE: 4TH NOVEMBER, 2010. Proposal for Research Study Factors affecting the success rate of microfinance in Economic students association funding project By GROUP SEVEN 4th November 2010 DECLARATION We hereby declare that this research proposal has not been submitted to any other institution for any academic qualificationRead MoreKey Factors Affecting The Foreclosure Crisis1286 Words   |  6 Pages The rise of the risk-free, no-down payment, low-documentation loan was not only born, but metastasized beyond imagination. Traditionally, the biggest hurdle to home ownership was the down payment. Ever since banks began lending, from the secondary market innovations of the depression era 1930’s and through the 1990’s, a down payment was always required. You could not buy a home unless you were willing to first put up some of your own money. Three factors changed this equation, and when combined

Analyze the Changes and Continuities in Long-Distance...

During the period between 1700 to 1900 there were many changes in long distance migration patterns across the globe as well as aspects of migration that remained the same. Throughout this time period, long distance migrations from eastern regions such as Europe and Africa to the America’s remained a consistent trend, as well as the motivation for migrating. While these things remained constant, changes during the time period occurred in diversity of the peoples migrating due to slave trade across the Atlantic being banned and indentured servitude becoming an opportunity for people from places other than Africa to immigrate to the Americas. Changes in slave trade were significant to migratory patterns during this time period. In the†¦show more content†¦Change came when Britain began to send captives to their colonies in order to establish the colonies under British rule. Also change occurred in once self sufficient Ireland. Irish people originally remained in Ireland and didn’t feel a need to migrate because of their situation in their homeland was a good one. This was until Ireland experienced their potato famine which forced vast numbers of irish to relocate other places (mostly the USA). Many things stayed the same during this time period as well regarding migration. Among these continuities was the motivation for migration, which remained economic. Whether as part of slave trade or seeking a better life, people migrated for these reasons. The steady flow of migrants leaving their homes in the east and migrating to the americas seeking economic gain as well as religious freedom also was consistent throughout the period. Disease comes hand in hand with migration. The migrants carried with them diseases such as HIV and malaria to places where the established populations possessed no immunities or tolerance to the diseases for they had never been exposed to them before. This was present when europeans migrated to America and wiped out vas t populations of native americans with the diseases they carried and continued through theShow MoreRelatedCCOT And CC Essay1549 Words   |  7 Pagesagricultural societies after the Agricultural Revolution Identify two key changes in early African history that resulted in a new period in the history of the region The Middle East Analyze the political changes in the Middle East from the Agricultural Revolution to 600 c.e. Compare and contrast the basic features of TWO of the following religious systems prior to 600 c.e. Polytheism Judaism Christianity Asia Compare the origins and tenets of TWO fo the following religious and philosophical systems. Read MoreOne Significant Change That Has Occurred in the World Between 1900 and 2005. Explain the Impact This Change Has Made on Our Lives and Why It Is an Important Change.163893 Words   |  656 PagesLinda Shopes, eds., Oral History and Public Memories Tiffany Ruby Patterson, Zora Neale Hurston and a History of Southern Life Lisa M. Fine, The Story of Reo Joe: Work, Kin, and Community in Autotown, U.S.A. Van Gosse and Richard Moser, eds., The World the Sixties Made: Politics and Culture in Recent America Joanne Meyerowitz, ed., History and September 11th John McMillian and Paul Buhle, eds., The New Left Revisited David M. Scobey, Empire City: The Making and Meaning of the New York City Landscape

Essay About Taxi Driver Example For Students

Essay About Taxi Driver Taxi DriverI am going to take four scene from the taxi driver and show how the mise-en-scene, cinematography, and editing support Travis Bickles state of mind and personality. First I want to state what Traviss state of mind and personality is throughout most of the film. Travis is isolated from the rest of the world. He feels like he does not fit in with the rest of society. He is looking for a direction, a cause, a reason for his existence and he takes the Taxi job as a way to cope with some of that frustration. The first scene I want to analyze is the one of Travis first applying to become a taxi driver. To help reinforce Traviss isolation from the rest of the world, Travis and the interviewer are in separate framing throughout most of the scene. His answers come in either short or stuttered responses. We find out from the interview that Travis had been in the Marines. Travis is still wearing his old marines jacket. We get the impression that the last sense of belonging Travis felt was when he was in the marines. The framing is tight using only medium and close up shots of Travis and the interviewer, keeping Travis away from the rest of the world. There is only the diegetic sound of the taxi garage, no music is playing. When Travis is exiting the garage the camera leaves him and does a panning shot of the garage almost like he is so isolated that the camera itself can become detached from him. When Travis exits the garage the framing becomes much looser. Extreme long shots are used making T ravis seem even more isolated from the few people on the street. We then come to Traviss apartment. While Traviss voice over is heard speaking about the rain coming and washing away all the filth and scum on the streets we are juxtaposed by the scene of his apartment. His apartment is a visual contradiction to what Travis is saying. There is trash every wear. Clothes are thrown and hung anywhere in no particular order or method. There is a stack of magazines on his bed. All the clutter in his apartment gives us a window into Traviss state of mind. There is now a cut to Travis in his taxi. It is night time and we have none diegetic soundtrack playing. Interestingly for the most part the soundtrack only plays when Travis is alone or in the taxi. This again reinforces the sense of isolationism that Travis is feeling. Traviss voice over is still playing as there is a tracking shot from the taxi as it drives along the looking at the side walk. All the people Travis is speaking about are walking on the sidewalk. After Travis speaks about the lowlife that walk the street with obvious contempt he says that it doesnt make a difference to him. Travis stops to pickup a man and a prostitute. All the shots are medium shots from the front seat looking in to the back. This again keeps Travis in Isolation from the people he drives. Like he is looking into a window and seeing other peoples lives. He has no conversation with the people he drives. He only watches them as he takes them to their location. At one point he goes through street that h as water raining down on it from an open fire hydrant. The water completely obscures his vision from the front window and he turns on his windshield wipers to wash it away. This again is reinforcing his state of mind being at odds with everything and wanting to wash it away. The next scene I want to analyze is that of Wizards court. Where Travis goes in to have a cup of coffee with Wizard, Doughboy, and Charley T. The scene opens with the camera panning to fallow Travis from inside the cafeteria while he walks in. The film switches to a medium straight on angle shot as Travis sits down on the extreme right of the frame. This is showing how far away he is from the rest of the taxi drivers and the world. As Wizard and Doughboy have their conversation Travis is kept in separate framing or he is kept in the back far right of the frame and out of focus. When Doughboy asks Travis a question, Travis is preoccupied at staring at the black pimps. The camera leaves Travis and does a tracking shot over to the two pimps sitting at the other table while Doughboy is heard in the background. The camera finally pans back to Travis as he finally hears Doughboys question. Even while he is answering Doughboys question Traviss attention becomes diverted, as the camera cuts to a high angle close up shot of Travis opening a bottle and dropping a tablet of Alka-Seltzer into a glass of water. As Doughboy is speaking to him the sound is turned down and Doughboy can be barely heard over the sound of the Alka-Seltzer fizzing. There is a low angle zoom-in close up shot of Travis as he stares at the glass and the it changes back to an extreme close up of the fizzing glass. Traviss thoughts are completely consumed by the glass as we get the feeling that his mental state is much the same as that of the fizzing glass. After an extended period of time the camera finally comes back to a medium shot of Travis and Doughboy who is now on the right side of Travis. Doughboy is standing over Travis and crowding him into the lower left hand corner of the frame. This probably resembles Traviss mental state as he probably feels crowded and uncomfortable with having to talk with Doughboy especially with him so close. After Doughboy leaves there is an uneasy silence between Travis and Wizard Charley T. Travis is again put in the very far right of the frame and now seems even further away and isolated from the other two now that there is an empty seat between them. .ua67dc0c054a42c2dd8ef432d04adf41e , .ua67dc0c054a42c2dd8ef432d04adf41e .postImageUrl , .ua67dc0c054a42c2dd8ef432d04adf41e .centered-text-area { min-height: 80px; position: relative; } .ua67dc0c054a42c2dd8ef432d04adf41e , .ua67dc0c054a42c2dd8ef432d04adf41e:hover , .ua67dc0c054a42c2dd8ef432d04adf41e:visited , .ua67dc0c054a42c2dd8ef432d04adf41e:active { border:0!important; } .ua67dc0c054a42c2dd8ef432d04adf41e .clearfix:after { content: ""; display: table; clear: both; } .ua67dc0c054a42c2dd8ef432d04adf41e { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ua67dc0c054a42c2dd8ef432d04adf41e:active , .ua67dc0c054a42c2dd8ef432d04adf41e:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ua67dc0c054a42c2dd8ef432d04adf41e .centered-text-area { width: 100%; position: relative ; } .ua67dc0c054a42c2dd8ef432d04adf41e .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ua67dc0c054a42c2dd8ef432d04adf41e .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ua67dc0c054a42c2dd8ef432d04adf41e .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ua67dc0c054a42c2dd8ef432d04adf41e:hover .ctaButton { background-color: #34495E!important; } .ua67dc0c054a42c2dd8ef432d04adf41e .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ua67dc0c054a42c2dd8ef432d04adf41e .ua67dc0c054a42c2dd8ef432d04adf41e-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ua67dc0c054a42c2dd8ef432d04adf41e:after { content: ""; display: block; clear: both; } READ: Slavery In Beloved EssayThe next scene I am going to analyze is where Travis drives a man (played by Martin Scorcese) up to a curb and watch the mans wife in the window. The scene opens with a medium tracking shot following the cab as it pulls up to the curb. It then cuts to the interior of the cab as Travis stops the meter thinking that the man is ready to get out. The man however does not want to get out and wants to keep the meter going. The shots through out this scene are either from the back seat look at the back of Traviss head or from just outside the front windshield looking in. The man consistently tries to engage Travis in conversation about his personal affairs . Travis never turns around to look at the man he only will look at him through the rearview mirror. This reflects Traviss desire to keep a distance from his customer and prefers to see him only as if looking through a window. As the man directs Traviss attention to the lighted room in the apartment building the camera changes to a first person slow panning shot as it scans the Apartment building looking for the window. Finally Travis sees the room. Conversation for the most part has been one sided with Travis giving only single syllable answers to the mans barrage of schizophrenic questions. When the man tells Travis that he is going to kill his wife with a 44. Mangum Travis starts to take something of a morbid interest in what the man is saying. This is supported by the camera shooting from the back seat from a medium low angle as Travis adjusts his rear view mirror so that he can look at the man. Traviss face stays about the same but his interest continues as he starts to formula te a plan in his own mind. He listens even more intently when the man talks about blowing away his wifes face however his attention becomes diverted after the man starts to talk about shooting a womans pussy. The reasoning for this would be that he is looking to clear away the evil thoughts in his head and the desire to shoot himself would take care of those evils. The volume is turned down slightly towards the end of the scene as Travis starts thinking about his own plan. This will be supported a few scene later when Travis wants to buy a 44. Magnum. The final scene I want to analyze is the final scene in the movie. The scene opens with a tracking shot of newspaper clippings hanging up on the walls in Traviss apartment. While the camera is tracking Iriss fathers voiceover can be heard until the camera finally rests upon the letter that the voice is reading from. The scene then changes to an long exterior shot of the diner. The camera cuts to a medium shot of Travis, Wizard, and Dou ghboy all standing around a taxi. They are standing fairly close together and Travis doesnt seem so isolated from the others. Wizard tell Travis that he has a customer and Travis goes over and gets in to his cab. The scene cuts to the Interior of the taxi as Travis drives Betsy home. He is smiling confident as Betsy seems to have a renewed interest in Travis. However Traviss sense of isolation is apparent as Travis and Betsy are kept in separate framing. Travis only engages in light conversation with Betsy and does not charge her for the ride in some sort of personal revenge on her. As he drives away it becomes apparent that Travis is not better as he starts to look around in a nervous sort of fashion. The final shot is from the back seat. Everything else is blurred except the rear view mirror which show Traviss eyes as he looks around with a Feral expression.

The Extradition Of Nazi War Criminals Essays -

The Extradition of Nazi War Criminals The following paper was used as a term paper for a sophomore level Political Science class centering on international relations. The class was taken at a popular university in the state of Massachusetts. The paper deals with the legal issues surrounding the act of extradition of Nazi war criminals. Two international law cases are dealt with in the paper. The paper got an "A" from a fairly difficult grading professor, and once the paper is double spaced it should work out to be about 14 or 15 pages. Have fun, and good luck. The term "laws of war" refers to the rules governing the actual conduct of armed conflict. This idea that there actually exists rules that govern war is a difficult concept to understand. The simple act of war in and of itself seems to be in violation of an almost universal law prohibiting one human being from killing another. But during times of war murder of the enemy is allowed, which leads one to the question, "if murder is permissible then what possible "laws of war" could there be?" The answer to this question can be found in the Charter established at the International Military Tribunals at Nuremberg and Tokyo: Crimes against Humanity: namely, murder, extermination, enslavement, deportation, and other inhumane acts committed against any civilian population, before or during the war, or persecutions on political, racial or religious grounds in execution of or in connection with any crime within the jurisdiction of the Tribunal, whether or not in violation of the domestic law of the country where perpetrated. Leaders, organizers, instigators, and accomplices participating in the formulation or execution of a common plan or conspiracy to commit any of the foregoing crimes are responsible for all acts performed by any persons in execution of such plan.1 The above excerpt comes form the Charter of the Tribunal Article 6 section C, which makes it quite clear that in general the "laws of war" are there to protect innocent civilians before and during war. It seems to be a fair idea to have such rules governing armed conflict in order to protect the civilians in the general location of such a conflict. But, when the conflict is over, and if war crimes have been committed, how then are criminals of war brought to justice? The International Military Tribunals held after World War II in Nuremberg on 20 November 1945 and in Tokyo on 3 May 1946 are excellent examples of how such crimes of war are dealt with. (Roberts and Guelff 153-54) But, rather than elaborate on exact details of the Tribunals of Nuremberg and Tokyo a more important matter must be dealt with. What happens when alleged criminals of war are unable to be apprehended and justly tried? Are they forgotten about, or are they sought after such as other criminals are in order to serve justice? What happens if these alleged violators are found residing somewhere other than where their pursuers want to bring them to justice? How does one go about legally obtaining the custody of one such suspect? Some of the answers to these questions can be found in an analysis of how Israel went about obtaining the custody of individuals that it thought to be guilty of Nazi War Crimes. Not only will one find some of the answers to the previously stated questions, but also one will gain an understanding of one facet of international law and how it works. Two cases in specific will be dealt with here. First, the extradition of Adolf Eichmann from Argentina, and second, the extradition of John Demjanjuk from the United States of America. These cases demonstrate two very different ways that Israel went about obtaining the custody of these alleged criminals. The cases also expose the intricacy of International Law in matters of extradition. But, before we begin to examine each of these cases we must first establish Israel's right to judicial processing of alleged Nazi war criminals. To understand the complications involved in Israel placing suspected Nazi war criminals on trial, lets review the history of Israel's situation. During World War II the Nazis were persecuting Jews in their concentration camps. At this time the state of Israel did not exist. The ending of the war meant the ending of the persecution, and when the other countries discovered what the Nazis had done Military Tribunals quickly followed. Some of the accused war criminals were tried and sentenced, but others managed to escape judgement and thus became fugitives running from international