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Academic literature on the topic 'Logan Tent No'

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Published: 26 July 2024
Last updated: 27 July 2024

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Journal articles on the topic "Logan Tent No"

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Rahmi, Cut Navita, Sri Sugiarti, and Alvian Dea Yuliani. "Karbon dots (C-dots) dari Bahan Hayati untuk Deteksi Logam Berat." ALCHEMY Jurnal Penelitian Kimia 19, no. 2 (May 13, 2023): 234. http://dx.doi.org/10.20961/alchemy.19.2.61881.234-246.

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<p>Pendeteksian logam berat pada limbah hasil industri perlu dilakukan untuk mencegah timbulnya penyakit apabila memasuki tubuh manusia. Salah satu bahan yang dapat digunakan untuk pendeteksian logam berat yaitu C-dots. C-dots yang berasal dari bahan hayati akan menghasilkan gugus fungsi yang dapat meningkatkan karakteristik optik C-dots agar lebih selektif dalam pendeteksian logam berat. Selain itu, penggunaan bahan hayati sebagai sumber C-dots akan memanfaatkan limbah sehingga mengurangi sampah. Penelitian ini bertujuan untuk mengkaji nanopartikel karbon C-dots yang berasal dari sumber hayati sebagai pendeteksian logam berat. C-dots yang berasal dari sumber hayati sudah banyak diteliti sebagai deteksi logam berat secara selektif. Gugus fungsi pada permukaan C-dots akan menentukan interaksi spesifik antara C-dots dan masing-masing logam. Reaksi pengompleksan antara C-dots dengan ion logam cenderung mengikuti aturan sebagai berikut, ion logam yang keras akan cenderung mengikat ligan yang keras dan ion logam lunak cenderung mengikat lebih banyak ligan yang lunak. C-dots tersintesis dengan metode hidrotermal cenderung menghasilkan <em>quantum yield </em>dan intensitas fluoresensi yang lebih tinggi yang sensitif untuk deteksi logam berat.</p><p><strong></strong><strong>Carbon Dots (C-Dots) from Biomass for Heavy Metal Detection.</strong> Detecting heavy metals in industrial waste is necessary to prevent the disease from entering the human body. One of the materials that can be used to detect heavy metals is carbon dots (C-dots). C-dots derived from biological materials have functional groups that can improve their optical characteristics to be more selective in detecting heavy metals. In addition, using natural materials as a source of C-dots will utilize waste, thereby reducing waste. This study aims to review carbon nanoparticles derived from natural sources for detecting heavy metals. C-dots derived from biological sources have been widely studied as selective heavy metal detection. The functional groups on the surface of the C-dots will determine the specific interactions between the C-dots and each metal. The complex reaction between C-dots and metal ions tends to follow the rules: hard metal ions tend to bind to hard ligands, and soft metal ions tend to bind more to soft ligands. C-dots synthesized via the hydrothermal method tend to produce a higher quantum yield and fluorescence intensity that are sensitive to heavy metal detection. ️</p>
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李照聖, 李照聖. "永續連結貸款的會計問題──IFRS 9之SPPI測試與嵌入式衍生工具." 月旦會計實務研究 57, no. 57 (September 2022): 089–94. http://dx.doi.org/10.53106/252260962022090057010.

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Kotwasińska, Agnieszka. "Un/re/production of Old Age inThe Taking of Deborah Logan." Somatechnics 8, no. 2 (September 2018): 178–94. http://dx.doi.org/10.3366/soma.2018.0249.

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The article offers a re-examination of abjected femininity and old age through a close reading of The Taking of Deborah Logan (2015), a found footage horror movie centered on spectral possession. While to a large extent the movie replicates an infamous monstrous old woman trope, it also effectively questions typical Alzheimer's disease (AD) narratives, which tend to portray life with AD as a story of unmitigated loss and debility. In The Taking of Deborah Logan, potentially destabilizing moments occur when in the face of progressive loss of control, memory, and bodily functions, the main protagonist is momentarily experienced as resisting the dehumanisation and loss of agency conventionally associated with AD and possession alike. The aim of this article is thus three-fold. The first part sketches the processes through which possession narratives generate a highly ambivalent space for aging femininity in horror film, and how aging, disability, and AD intersect both in popular understanding and in film. In the second part, the author examines how The Taking of Deborah Logan, as a found footage horror, shapes a discussion about selfhood, agency, and monstrous embodiment. Finally, the author argues that it is through the concept of transaging that one can find ways to destabilise traditional understandings of old age, female embodiment, and AD, and offer new narratives that highlight monstrous, if ambivalent, agency.
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Abaidoo, Rexford. "Loan delinquency and macroeconomic conditions." American Journal of Business 33, no. 3 (August 6, 2018): 82–95. http://dx.doi.org/10.1108/ajb-03-2018-0006.

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Purpose The purpose of this paper is to examine how specific macroeconomic indicators and conditions impact short- and long-run loan delinquency rates among US commercial banks under various economic episodes. Design/methodology/approach The study employs an autoregressive distributed lag framework (ARDL) and error correction model in its examination of how loan delinquency rates are impacted by specific macroeconomic variables and conditions. Findings This study finds that in both the short and long run, a percentage growth in macroeconomic indicators, such as industrial productivity and private domestic investments, reduces loan delinquency rates among commercial banks, given all things being equal. Additionally, this study also finds that adverse macroeconomic conditions, such as inflation, economic policy uncertainty and volatility, associated with specific macroeconomic variables, such as investment growth, etc., tend to worsen loan delinquency rates. Empirical results further suggest that among the various macroeconomic conditions examined, inflationary pressures tend to have the most significant heightening impact on loan delinquency rates among commercial banks. Originality/value The uniqueness of this study, compared to similar studies found in the literature, has to do with its verification of potential association between loan delinquency rates and specific hitherto unexamined macroeconomic conditions. Compared to similar studies on loan delinquency, this study collectively examines how conditions of uncertainty, volatility and expectations of macroeconomic conditions shape loan delinquency rates among commercial banks.
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Penikas, H. I. "Retail loan pricing determinants in Russia." Voprosy Ekonomiki, no. 6 (June 5, 2023): 36–61. http://dx.doi.org/10.32609/0042-8736-2023-6-36-61.

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The research relies on the uniquely extracted dataset of loan offered rates at the start of 2022. We justify that the larger banks are more prone to disclose such offers. Content-wise we are able to disentangle the loan-specific credit risk factors and the bank risk-appetite drivers. We show that banks using own data and models to compute prudential ratios (IRB-banks) tend to evaluate the credit risk more conservatively than the rest of the banks.
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Nugraha, Mohammad Agung, Irma Akhrianti, Fika Dewi Pratiwi, and Agung Priyambada. "Geokimia dan Asesmen Pencemaran Logam Berat Cd, Cu dan Zn pada Sedimen Permukaan Estuari Baturusa, Bangka." Jurnal Kelautan Tropis 26, no. 1 (February 1, 2023): 35–48. http://dx.doi.org/10.14710/jkt.v26i1.16467.

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The Baturusa estuary receives inputs of organic and inorganic materials from several human activities along the river. The characteristics of heavy metals such as toxicity, resistance to decomposition, and ability to accumulate in aquatic biota can indirectly have a negative impact on the health of humans who consume marine biota. The research was conducted with the aim of studying the geochemical characteristics and assessing the level of heavy metal contamination of Cd, Cu and Zn in the sediments of the Baturusa Estuary. Heavy metal fractionation was analyzed by sequential extraction. The CF value of Cu and Zn metals shows a low level of contamination, while Cd shows a moderate level of contamination. I-Geo metal Cd is in the unpolluted to moderately polluted status, while Cu and Zn are not polluted. The PLI value indicates the unpolluted category. Geochemical fractionation of heavy metals Cd, Cu and Zn Baturusa Estuary is characterized by the presence of exchangeable, carbonate, reducible, oxidizable and residual fractions. Cu and Zn mainly tend to be stored/bound to the residual fraction (mainly derived from natural sources) while Cd is more bound to the non-residual fraction (mainly derived from human/anthropogenic activities). The risk evaluation of Cd metal is very high to high risk/hazard, while Cu and Zn are not at risk/hazardous to low. These conditions indicate that Cd metal may be harmful to the environment and has a higher mobility than other metals so that it has a higher risk of being available in the body of biota. Estuari Baturusa menerima masukan bahan organik dan anorganik dari beberapa aktivitas manusia disepanjang sungai. Karakteristik logam berat seperti toksisitas, resisten terhadap dekomposisi, dan kemampuan akumulasi terhadap biota akuatik serta secara tidak langsung dapat berdampak negatif terhadap kesehatan manusia yang mengkonsumsi biota laut. Penelitian dilakukan dengan tujuan untuk mengkaji karakteristik geokimia dan menilai tingkat kontaminasi logam berat Cd, Cu, dan Zn pada sedimen Estuari Baturusa, Bangka. Fraksinasi logam berat dianalisis dengan ekstraksi bertahap. Nilai CF logam Cu dan Zn menunjukkan tingkat kontaminasi rendah (CF<1), sedangkan Cd menunjukkan tingkat kontaminasi sedang (1≤CF<3). I-Geo logam Cd berada pada status tidak tercemar hingga tercemar sedang (0<Igeo<1), sedangkan Cu dan Zn memiliki status tidak tercemar (Igeo 0). Nilai PLI menunjukkan kategori tidak tercemar (PLI<1). Fraksinasi geokimia logam berat Cd, Cu dan Zn Estuari Baturusa dicirikan dengan adanya fraksi exchangeable, karbonat, reducible, fraksi oxidizable, dan residual. Logam Cu dan Zn utamanya cenderung tersimpan/ terikat pada fraksi residual (utamanya berasal dari sumber alami) sedangkan Cd lebih terikat pada fraksi non residual atau non resisten (utamanya berasal dari aktivitas manusia/ antropogenik). Evaluasi resiko dari logam Cd yaitu resiko/ bahaya sangat tinggi hingga tinggi, sedangkan Cu dan Zn tidak beresiko/ berbahaya hingga rendah. Kondisi tersebut menunjukkan bahwa logam Cd kemungkinan berbahaya bagi lingkungan serta memiliki mobilitas lebih tinggi daripada logam lain sehingga beresiko lebih tinggi tersedia dalam tubuh biota.
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You, Seung Dong. "Construction Loan Guarantee and Construction Cost Risk Management." Korea Real Estate Policy Association 24, no. 2 (August 31, 2023): 1–13. http://dx.doi.org/10.54091/krepa.2023.24.2.1.

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This paper discusses risk management in construction loan guarantee. Developers tend to finance their construction cost with loans and most lenders in Korea ask developers to provide them with a guarantee letter. The guarantee provider needs to implement and enhance skills of risk management associated with development projects. This paper classifies risks associated with development cost from the perspective of guarantee provider and the paper examines strategies of risk management associated in particular with construction cost.
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Ross, Andrew. "You are Not a Loan: A Debtors Movement." Culture Unbound 6, no. 1 (February 20, 2014): 179–88. http://dx.doi.org/10.3384/cu.2000.1525.146179.

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Written from the participant perspective of the author, the article documents the debt resistance movement that is one of the enduring offshoots of Occupy Wall Street. Addressing the household debt crisis in the wake of the financial crash, it focuses in particular on student debt, approaching an aggregate 1.2 trillion in the U.S., with defaulters numbering in the tens of millions. The emergence of The Occupy Student Debt Campaign is analyzed, along with the initiatives of its successor, Strike Debt, including the Rolling Jubilee and the Debt Resistors Opera-tions Manual. The article concludes by arguing that debt will be the frontline of anticapitalist struggles in the 21st century, just as the struggle over wages dominated the twentieth century.
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Anshari, Muhammad, Mitra istiar Wardhana, and Dhara Alim Cendekia. "Visual Login Fingerprints Scanner Aplikasi Mobile Banking (BRImo, Jenius, BNI Mobile Banking) berdasarkan Model Kait Nir Eyal." JoLLA: Journal of Language, Literature, and Arts 3, no. 8 (August 31, 2023): 1198–216. http://dx.doi.org/10.17977/um064v3i82023p1198-1216.

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Fitur fingerprint scanner cenderung lebih sering digunaakan secara repetitif untuk login pada aplikasi perbankan karena dianggap lebih cepat dan mudah. Anggapan ini juga terlihat dari sedikit­nya usaha kognitif pada proses pencarian tombol fingerprint scanner. Tombol fingerprint scanner aplikasi BRImo, BNI Mobile Banking dan Jenius cenderung menjadi kontras serta halaman login di­desain untuk mengarahkan pengguna pada fitur tersebut. Berdasarkan kebiasaan repetitif peng­gunaan fingerprint scanner dan aspek visual yang mengarahkan pengguna ke fingerprint scanner penelitaia ini menggunakan model kait untuk menguraikan cara visual fitur tersebut berefek pada penggunaan yang repetitif ketika. Hasil dari penelitian ini menyebutkan bahawa aplikasi BRImo yang menggunakan kontras visual pada tombol fingerprint scanner yang juga secara implisit mem­berikan kontras secara fungsi pada tombol disekitarya bila ditinjau berdasarkan model kait bisa memicu pengguna untuk menekan tombol tersebut secara repetitif. Kata kunci: model Kait; aplikasi perbankan; fingerprint scanner Visual Login Fingerprints Scanner for Mobile Banking Applications (BRImo, Jenius, BNI Mobile Banking) based on the Kait Nir Eyal Model The fingerprint scanner feature tends to be used repeatedly to log in to banking applications because it is considered faster and easier. This assumption is also seen from the lack of cognitive effort in the process of searching for the fingerprint scanner button. The fingerprint scanner buttons for the BRImo, BNI Mobile Banking and Jenius applications tend to be in contrast and the login page is designed to direct users to these features. Based on the repetitive habit of using fingerprint scanners and the visual aspects that direct users to the fingerprint scanner, this study uses a hook model to describe how visually these features have an effect on repetitive use. The results of this study indicate that the BRImo application that uses visual contrast on the fingerprint scanner button which also implicitly provides functional contrast to the surrounding buttons when viewed based on the latch model can trigger the user to press the button repeatedly. Keywords: Kait model; internet banking; fingerprint scanner
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Hu, Xiaoya, Hong Zhao, Shihui Zheng, and Licheng Wang. "CBOL: Cross-Bank Over-Loan Prevention, Revisited." Entropy 22, no. 6 (June 3, 2020): 619. http://dx.doi.org/10.3390/e22060619.

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With the development of credit businesses, privacy data leakage and data accuracy in loan transactions among different banks tend to be worrisome issues hindering the prosperity of the industry. To address the problem, we propose a blockchain-based cross-bank over-loan prevention (CBOL-ring) mechanism, which ensures that, on the one hand, the plaintext of loan transactions cannot be access to neither participants on the nodes except the bank that handles loan/repayment requests, so as to prevent the borrower from loaning without revealing their privacy data; on the other hand, the other participants are able to prove the effectiveness of the plaintexts through checking the ciphertexts on the blockchain. In addition, we propose a blockchain-based cross-bank over-loan prevention mechanism with low communication volume (CBOL-bullet), which reduces the size of the range proof generated by the BBCBOLP mechanism, thereby reducing the size of the communication volume and saving resources during the data transmission process. Finally, we analyze the security and performance of the two mechanisms, and compare the communication volume of the two mechanisms.
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Dissertations / Theses on the topic "Logan Tent No"

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Black, Kevin. "Determining capital adequacy for a community bank's agricultural loan portfolio." Thesis, Kansas State University, 2015. http://hdl.handle.net/2097/35221.

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Master of Agribusiness
Department of Agricultural Economics
Brian C. Briggeman
As the recent financial crisis brought to light, the ability of commercial banks to quantify and better manage risk in their loan portfolios is paramount to their continued success and viability. Assessing, managing, and retaining capital is now a larger issue than ever given this event as well as the advent of the Basel III Accord. Pinnacle Bancorp is a community banking organization headquartered in Omaha, Nebraska with roughly $8.6 billion in assets. The company is also one of the largest agricultural lenders in the country and the largest agricultural lender among traditional community banks. Given the ominous outlook heading into 2016 for agricultural producers from lower projected net incomes and increased borrowing costs following Federal Reserve action on the Fed Funds Rate, many banks worry about the increased likelihood of default for agricultural producers. The objective of this thesis is to determine the adequacy of Pinnacle Bank’s equity capital relative to the agricultural loan portfolio. This process begins by employing binary logit regression in an effort to determine the probability of default for the bank’s agricultural loan portfolio. With default likelihood quantified, efforts are then made to determine the bank’s credit value-at-risk at various solvency levels. These figures are then compared to current capital levels in order to determine the adequacy of bank capital as measured by five key regulatory ratios ultimately imposed by Basel III. Finally, recommendations are made to management as to the adequacy of bank capital relative to the agricultural loan portfolio and any future efforts that need to be made in order to determine and ensure the adequacy of bank capital for the entire loan portfolio.
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Ferhani, Francois-Fabien. "Comparing partial and complete test sets and test metrics /." May be available electronically:, 2008. http://proquest.umi.com/login?COPT=REJTPTU1MTUmSU5UPTAmVkVSPTI=&clientId=12498.

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Lee, Donghwi. "Launch delay test /." May be available electronically:, 2008. http://proquest.umi.com/login?COPT=REJTPTU1MTUmSU5UPTAmVkVSPTI=&clientId=12498.

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Thomte, Tristan Calhoun. "Grammatical person in text and narrative /." May be available electronically:, 2009. http://proquest.umi.com/login?COPT=REJTPTU1MTUmSU5UPTAmVkVSPTI=&clientId=12498.

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Todesco, Massimiliano <1995&gt. "AN UNEXPECTED STRESS TEST FOR SECURITIZATION-BASED SECURITIES: IMPACT OF COVID-19 ON COLLATERALIZED LOAN OBLIGATIONS." Master's Degree Thesis, Università Ca' Foscari Venezia, 2022. http://hdl.handle.net/10579/20901.

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The dissertation begins with a description of the securitisation process and the subjects involved. In the first part we present some introductory notions about the functioning of the products obtained by the securitization process. In this introductory section, special attention will be paid to the purposes of securitisation transactions. The aim of the second part of the thesis is to analyse CDOs, which are financial instruments deriving from the securitisation process. Due to their high leverage and complexity, CDOs are among the main culprits of the previous crisis. The next step is to describe the functioning of the CDOs and their risk and performance features. In this part of the thesis, we will present some models used for the evaluation of CDOs and the measurement of their risk. Subsequently, a class of financial products belonging to the CDO family will be analysed: the CLOs. In particular, we will try to track the evolution of the relationship between CLOs and their underlying assets during the pandemic. Since leveraged loans are the main underlying of a CLO, we will continue with the description of these products and their origination process. During the preparation of the thesis, we will analyze data from a variety of sources, including the Bloomberg platform, academic articles, and periodic reports of the CRA, as well as studies conducted by regulators to tackle the outbreak of a new crisis.
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Cortes, Antonio. "Enhancing test data generation using constraint programming." To access this resource online via ProQuest Dissertations and Theses @ UTEP, 2008. http://0-proquest.umi.com.lib.utep.edu/login?COPT=REJTPTU0YmImSU5UPTAmVkVSPTI=&clientId=2515.

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Senapati, Rajeev. "Discrete element modelling of silicon nitride ceramics crack formation and propagation in indentation test and four point bending test /." To access this resource online via ProQuest Dissertations and Theses @ UTEP, 2009. http://0-proquest.umi.com.lib.utep.edu/login?COPT=REJTPTU0YmImSU5UPTAmVkVSPTI=&clientId=2515.

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Yilmazel, Ozgur. "Empirical selection of NLP-driven document representations for text categorization." Related electronic resource: Current Research at SU : database of SU dissertations, recent titles available full text, 2006. http://proquest.umi.com/login?COPT=REJTPTU0NWQmSU5UPTAmVkVSPTI=&clientId=3739.

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Lo, Yi-Chen. "Detection of gas/odor based on quartz crystal microbalance sensors and fuzzy similarity measure." To access this resource online via ProQuest Dissertations and Theses @ UTEP, 2008. http://0-proquest.umi.com.lib.utep.edu/login?COPT=REJTPTU0YmImSU5UPTAmVkVSPTI=&clientId=2515.

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Ning, Wei. "A new approach to test for interactions in two-way ANOVA models." Related electronic resource: Current Research at SU : database of SU dissertations, recent titles available full text, 2006. http://proquest.umi.com/login?COPT=REJTPTU0NWQmSU5UPTAmVkVSPTI=&clientId=3739.

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Books on the topic "Logan Tent No"

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Riau, Ali al-Haji. Kitab pengetahuan bahasa: Yaitu kamus logat Melayu Johor, Pahang, Riau, Lingga. Pekanbaru: Departemen Pendidikan dan Kebudayaan, Penelitian dan Pengkajian Kebudayaan Nusantara, Bagian Proyek Penelitian dan Pengkajian Kebudayaan Melayu, 1986.

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Federal Home Loan Bank of San Francisco., ed. Solving the mortgage menu problem: Proceedings of the Tenth Annual Conference, December 11-12, 1984, San Francisco, California. San Francisco, Calif. (P.O. Box 7948, San Francisco 94120-7948): Federal Home Loan Bank of San Francisco, 1985.

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United States. Congress. House. Committee on Financial Services. H.R. 698: The Industrial Bank Holding Company Act of 2007 : hearing before the Committee on Financial Services, U.S. House of Representatives, One Hundred Tenth Congress, first session, April 25, 2007. Washington: U.S. G.P.O., 2007.

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United States. Congress. House. Committee on Financial Services. A review of mortgage servicing practices and foreclosure mitigation: Hearing before the Committee on Financial Services, U.S. House of Representatives, One Hundred Tenth Congress, second session, July 25, 2008. Washington: U.S. G.P.O., 2008.

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United States. Congress. House. Committee on Financial Services. Progress in administrative and other efforts to coordinate and enhance mortgage foreclosure prevention: Hearing before the Committee on Financial Services, U.S. House of Representatives, One Hundred Tenth Congress, first session, November 2, 2007. Washington: U.S. G.P.O., 2008.

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United States. Congress. House. Committee on Financial Services. Progress in administrative and other efforts to coordinate and enhance mortgage foreclosure prevention: Hearing before the Committee on Financial Services, U.S. House of Representatives, One Hundred Tenth Congress, first session, November 2, 2007. Washington: U.S. G.P.O., 2008.

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United States. Congress. Senate. Committee on the Judiciary. The looming foreclosure crisis: How to help families save their homes : hearing before the Committee on the Judiciary, United States Senate, One Hundred Tenth Congress, first session, December 5, 2007. Washington: U.S. G.P.O., 2008.

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United States. Congress. House. Committee on Financial Services. Possible responses to rising mortgage foreclosures: Hearing before the Committee on Financial Services, U.S. House of Representatives, One Hundred Tenth Congress, first session, April 17, 2007. Washington: U.S. G.P.O., 2007.

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United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity. H.R. 5679: The Foreclosure Prevention and Sound Mortgage Servicing Act of 2008 : hearing before the Subcommittee on Housing and Community Opportunity of the Committee on Financial Services, U.S. House of Representatives, One Hundred Tenth Congress, second session, April 16, 2008. Washington: U.S. G.P.O., 2008.

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United, States Congress House Committee on Financial Services Subcommittee on Capital Markets Insurance and Government Sponsored Enterprises. H.R. 5579: The Emergency Mortgage Loan Modification Act of 2008 : hearing before the Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises of the Committee on Financial Services, U.S. House of Representatives, One Hundred Tenth Congress, second session, April 15, 2008. Washington: U.S. G.P.O., 2008.

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Book chapters on the topic "Logan Tent No"

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Diffenderfer, Paul M., and Samir El-Assal. "Architecture, login and test-system creation." In Microsoft Navision 4.0, 51–63. Wiesbaden: Vieweg+Teubner Verlag, 2005. http://dx.doi.org/10.1007/978-3-663-01607-6_3.

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Salinas Ruíz, Josafhat, Osval Antonio Montesinos López, Gabriela Hernández Ramírez, and Jose Crossa Hiriart. "Generalized Linear Mixed Models for Categorical and Ordinal Responses." In Generalized Linear Mixed Models with Applications in Agriculture and Biology, 321–76. Cham: Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-32800-8_8.

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AbstractAccording to Agresti (2013), a multinomial distribution is a generalization of a binomial distribution in cases with more than two possible ordered (ordinal) or unordered (nominal) outcomes. Given a response with more than two possible outcomes and independent trials with probabilities of similar category for each trial, the distribution of counts across categories follows a multinomial distribution. Quinn and Keough (2002) believe that several methods exist for multinomial data analysis. The most common form of categorical data analysis in biological sciences, which results in frequency counts, is creating cross-tabulations or contingency tables and chi-squared tests to examine associations between two or more categorical variables. However, such an approach is ill suited for a study aimed at estimating the response when there is a change in the explanatory variable(s), as contingency tables are used to analyze the association between variables without considering a predictor or response variable. In this analysis, the results are valid as long as less than 20% of the cells have an expected count less than five and none are less than one (Logan 2010). Fisher’s exact test extends the chi-squared test in studies involving small sample sizes.
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Wang, Ke Coby, and Michael K. Reiter. "Using Amnesia to Detect Credential Database Breaches." In Advances in Information Security, 183–215. Cham: Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-031-16613-6_9.

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AbstractKnown approaches for using decoy passwords (honeywords) to detect credential database breaches suffer from the need for a trusted component to recognize decoys when entered in login attempts, and from an attacker’s ability to test stolen passwords at other sites to identify user-chosen passwords based on their reuse at those sites. Amnesia is a framework that resolves these difficulties. Amnesia requires no secret state to detect the entry of honeywords and additionally allows a site to monitor for the entry of its decoy passwords elsewhere. We quantify the benefits of Amnesia using probabilistic model checking and the practicality of this framework through measurements of a working implementation.
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"Loan repayment." In AMS/MAA Textbooks, 211–42. Providence, Rhode Island: American Mathematical Society, 2009. http://dx.doi.org/10.1090/text/014/06.

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"5 Loan repayment." In AMS/MAA Textbooks, 49–58. Providence, Rhode Island: American Mathematical Society, 2009. http://dx.doi.org/10.1090/text/015/06.

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"Neuroanatomy Basant K Puri and Bari M Logan." In Psychiatry: An evidence-based text, 343–65. CRC Press, 2009. http://dx.doi.org/10.1201/b13480-30.

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Maran, A. G. D. "Preface to the Tenth Edition." In Logan Turner's Diseases of the Nose, Throat and Ear, vii. Elsevier, 1988. http://dx.doi.org/10.1016/b978-0-7236-0945-2.50004-1.

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Egan, Barry, and Kyle Goslin. "Enhancing Loan Default Prediction with Text Mining." In Ambient Intelligence and Smart Environments. IOS Press, 2022. http://dx.doi.org/10.3233/aise220039.

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Credit scoring is a popular method used by financial institutions to evaluate an applicants’ risk of default. However, in certain circumstances, an individual’s credit score is not an accurate indicator of their risk of default as it may be based on outdated information from a single point in time, or individuals may have no prior credit history from which to build the credit score. Several studies have investigated using text data to enhance the classification of loan default, with varying degrees of success. This research examines if the text data contained in the loan applications of a peer-to-peer (P2P) lending platform can be utilized to enhance loan default prediction. In this research, two models were created and optimized: one using only text data and the other using numeric data. The text and numeric models were then combined to see whether the classification performance of the individual models can be enhanced. The classification performance of the text model was superior to that of the numeric model, achieving accuracies 15.73% and 33.82% higher; however, by combining the models, there was a considerable improvement to the model’s classification performance of between 2.8% and 19.87% respectively. Results showed that text data holds significant value for assessing credit risk, and when text data and numeric data are combined there is an enhancement in the prediction of loan default.
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Block, Geoffrey. "“What Is a Richard Rodgers?”." In The Richard Rodgers Reader, 133–45. Oxford University PressNew York, NY, 2002. http://dx.doi.org/10.1093/oso/9780195139549.003.0015.

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Abstract It is indeed unfortunate that subsequent generations remember Joshua Logan (1908-1988) primarily as the man responsible for the outrageous colors that marred the 1958 film version of South Pacific. From the late-1930s through the mid-1950s Logan was one of Broadway’s most distinguished directors and producers with numerous major play and musical credits, including On Borrowed Time and Knickerbocker Holiday (1938), Morning’s at Seven (1939), This Is the Army (1942), Mister Roberts (1948), Picnic (1953), Fanny (1954), and Middle of the Night (1956). His association with Rodgers began in 1938 with the Rodgers and Hart hit musical, / Married an Angel. Over the next few years Logan would serve as co-librettist as well as director for Higher and Higher (1940) and as the director of Rodgers and Hart’s last musical, By Jupiter (1942). Before co-producing, directing, and co-authoring the original stage production of South Pacific (1949), Logan directed another hit show, Irving Berlin’s Annie Get Your Gun (1946), co-produced by Rodgers and Hammerstein one year after Carousel. In Josh: My Up and Down, In and Out Life Logan describes his role in the creation of the South Pacific libretto over a ten-day period on Hammerstein’s farm, and relates in painful detail how, in his view, the Rodgers and Hammerstein corporate juggernaut deprived him of what he felt to be his legitimate right to share an author’s copyright with Hammerstein. At the same time he blamed Rodgers for these decisions, Logan acknowledges that Rodgers did more to establish and maintain his career than any other man. Logan’s anguish, hurt, and anger loomed so large after his experience with South Pacific that he “politely refused” co-authorship and direction for Rodgers and Hammerstein’s next show, The King and I.
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Kwena Ramphele, Victor, Muhammad Hoque, and Zamadonda Xulu-Kasaba. "Determining the Relationship Between Exchange Rate and Gross Debt Loan in South Africa." In Business, Management and Economics. IntechOpen, 2023. http://dx.doi.org/10.5772/intechopen.112522.

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High public debt makes the conditions for effective fiscal policy more difficult and, at the same time, causes difficulties in seeking financial resources on the capital markets. There are many conflicting findings on factors contributing to increase on gross loan debt of government. Therefore, this study aims to determining the Relationship Between Exchange Rate and Gross debt loan. This empirical study was based on a quantitative research methodology. The study used the Auto Regressive Distributed Lag (ARDL) model to test the relationship between gross loan debt and exchange rate. Results found weak non-significant positive relationship between gross loan debt and all the foreign exchange rates. Appreciating or depreciating exchange rates can impact the burden of gross debt loan, and the level of gross debt loan can also impact exchange rates. It is therefore essential to consider the broader economic context and factors affecting both exchange rates and gross debt loan when analysing their relationship.
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Conference papers on the topic "Logan Tent No"

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Yang, Yonghong, Ruijun Zhang, Caiyan Lin, Yuan Chen, Shiqi Sun, and Shangyang Yu. "A tricolor monitoring system of net loan based on Weibo visualization." In Tenth International Conference on Digital Image Processing (ICDIP 2018), edited by Xudong Jiang and Jenq-Neng Hwang. SPIE, 2018. http://dx.doi.org/10.1117/12.2502988.

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ZHANG, XIONG-HUI, and SI-QI YUAN. "THE OPERATIONAL EFFICIENCY OF CHINA'S TOP TEN COMMERCIAL BANKS." In 2021 International Conference on Management, Economics, Business and Information Technology. Destech Publications, Inc., 2021. http://dx.doi.org/10.12783/dtem/mebit2021/35612.

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Based on DEA model, this paper shows that the performance of China's top ten commercial banks is better than that of foreign banks in China, and that of joint-stock commercial banks is better than that of state-owned commercial banks. China's top ten commercial banks can improve their pure technical efficiency and scale efficiency by strengthening their loan management capabilities, developing diversified business, rationally adjusting their scale and paying attention to human resources management.
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Promakhina, I. M. "Efficiency of West European countries' mortgage housing loan markets. Econometric approach." In 2017 Tenth International Conference Management of Large-Scale System Development (MLSD). IEEE, 2017. http://dx.doi.org/10.1109/mlsd.2017.8109671.

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Shang, Julia Yili, and Julian Avellaneda. "A Convenient Mobile Application to Modify High-Sugar Baking Recipes to Diabetic-Friendly using Text Recognition and Artificial Intelligence." In 12th International Conference on Software Engineering and Applications. Academy & Industry Research Collaboration, 2023. http://dx.doi.org/10.5121/csit.2023.131713.

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Previous research demonstrated that an average American adult could easily over consume the daily suggested amount of added sugar. Our team realized that a typical dessert contains way more sugar than suggested amount, which can be potentially harmful to obese and diabetic patients. We decided to develop a mobile application scans conventional baking recipe, recognize the and generates a healthier recipe reduced in sugar using AI to replace some of the ingredients to healthier ones. The three major technical components are authentication service, AI, and text recognition and matching function. We integrated OpenAI to build the template, Spacy function and image.scan for text recognition, and firebase authentication for login functions. Two experiments were conducted to test the accuracy of AI and text recognition. All the testing’s suggested that the app is able to adjust any baking recipe to a healthier alternative, while guaranteeing the basic tastes.
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Rasskazova, A., and K. Potekhina. "Influence of age of the borrower on demand of a consumer loan." In 2017 Tenth International Conference Management of Large-Scale System Development (MLSD). IEEE, 2017. http://dx.doi.org/10.1109/mlsd.2017.8109673.

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Kim, Youngki, Sang Hyun Park, Tae Hyun Fang, and Kiyeol Seo. "A Test of a Loran-C Multi-chain Positioning Method Using ASF Estimates." In 2019 European Navigation Conference (ENC). IEEE, 2019. http://dx.doi.org/10.1109/euronav.2019.8714138.

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Campa, Giovanni, and Matthew P. Juniper. "Obtaining Bifurcation Diagrams With a Thermoacoustic Network Model." In ASME Turbo Expo 2012: Turbine Technical Conference and Exposition. American Society of Mechanical Engineers, 2012. http://dx.doi.org/10.1115/gt2012-68241.

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Linear techniques can predict whether the non-oscillating (steady) state of a thermoacoustic system is stable or unstable. With a sufficiently large impulse, however, a thermoacoustic system can reach a stable oscillating state even when the steady state is also stable. A nonlinear analysis is required to predict the existence of this oscillating state. Continuation methods are often used for this but they are computationally expensive. In this paper, an acoustic network code called LOTAN is used to obtain the steady and the oscillating solutions for a horizontal Rijke tube. The heat release is modelled as a nonlinear function of the mass flow rate. Several test cases from the literature are analysed in order to investigate the effect of various nonlinear terms in the flame model. The results agree well with the literature, showing that LOTAN can be used to map the steady and oscillating solutions as a function of the control parameters. Furthermore, the nature of the bifurcation between steady and oscillating states can be predicted directly from the nonlinear terms inside the flame model.
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Vareško, Andrea. "The Impact of the COVID-19 Pandemic on Liquidity Loan Demand at the Croatian Bank for Reconstruction and Development." In 43rd International Conference on Organizational Science Development. University of Maribor Press, 2024. http://dx.doi.org/10.18690/um.fov.3.2024.76.

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The sudden outbreak of the COVID-19 pandemic in March 2020 had negative effects on almost all aspects of life. In addition to health and social sectors, the most significant consequences were experienced in the economy, as tight restrictions to curb the spread of the pandemic were implemented worldwide. Due to a significant decrease in business activities and a lack of income, most entrepreneurs encountered serious problems in maintaining liquidity and preserving their business. To mitigate the adverse impacts of the pandemic, the Government of Croatia implemented a series of measures to assist entrepreneurs, and the support for liquidity financing through loan programs offered by the Croatian Bank for Reconstruction and Development (HBOR) was one of the most crucial initiatives. The aim of this work was to investigate the impact of the COVID-19 pandemic on liquidity loan demand at the Croatian Bank for Reconstruction and Development (HBOR). More precisely, the intention was to examine the extent to which the pandemic influenced the allocation of liquidity loans with the HBOR, which as a state bank played a key role in providing financial support to entrepreneurs during those challenging times. The research was conducted on two groups of entrepreneurs in the period from 2019 to 2020. Descriptive statistics methods and F-test were used in the analysis, and the Student’s t-test was employed to test the hypothesis.
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Ganiev, Junus, Tezcan Abasız, and Damira Baigonushova. "The Validity of the Endogenous Money Hypothesis in the Eurasian Economic Union Countries." In International Conference on Eurasian Economies. Eurasian Economists Association, 2022. http://dx.doi.org/10.36880/c14.02609.

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The endogeneity of the money supply hypothesis is one of the most discussed and researched topics in the theoretical and empirical literature. According to this hypothesis, the money supply is determined internally within the economy. The aim of this study is to test this hypothesis in the member countries of the Eurasian Economic Union. In order to achieve the goal, the quarterly data of the five countries for the years 2010-2021 was analyzed by panel data analysis. First of all, bank loans were taken as the dependent variable and it was determined that there is a cointegration relationship between these variables. While all three independent variables affected the total loan amount in the short run, the coefficient of money supply was statistically insignificant in the long run. According to the results, one dollar increase in deposit amount increases the loan volume to $0.06 on average in the long run. A one-dollar increase in GDP increases it to 0.3 dollars. In addition, the panel ARDL cointegration test was applied by accepting the deposit amount, M2, M2X money supply and GDP variables as the dependent variables, but no cointegration relationship was found between the variables in all models. In the light of these results, it can be said that the money endogeneity hypothesis is not valid in the Eurasian Economic Union countries in general.
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Afriyanto, Fajar, Hilda Purnamawati, and Iyan Sukiman. "THE EFFECT OF CAPITAL ADEQUACY RATIO (CAR) AND LOAN TO DEPOSIT RATIO (LDR) ON NON PERFORMING LOAN (NPL) (CASE STUDY ON CONVENTIONAL COMMERCIAL BANKS IN INDONESIA ON 2016-2020)." In Seminar Sosial Politik, Bisnis, Akuntansi dan Teknik (SoBAT) ke-3. LPPM USB YPKP, 2021. http://dx.doi.org/10.32897/sobat3.2021.26.

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This study aims to determine the influence of the Capital Adequacy Ratio (CAR) and Loan Deposit Ratio (LDR), both partially and simultaneously, on Non Performing Loans (NPL) in Conventional Commercial Banks in Indonesia for the period 2016-2020. This research is associative research with a quantitative approach. The data used in this study is secondary data, data analysis techniques using a data regression panel. Testing panel data include CEM, FEM and REM, Chow Test, Hausman Test, Lagrange Multiplier Test. Classic assumption tests include The Test of Normality, Heteroskedastisitas, Multicollinearity and Autocorrelation. Data analysis using correlation and determination coefficient analysis, Simultaneous and Partial Hypothesis Test. The population in this study was 99 Conventional Commercial Banks in Indonesia and a sample of 25 Conventional Commercial Banks in Indonesia with purposive sampling techniques. Based on the results of simultaneous hypothesis testing where CAR and LDR jointly have a significant effect on NPL Conventional Commercial Banks in Indonesia, the results off count 6.89 > 3.42 f table with a significant rate of 0.001457 lower than the α 0.05. While the partial hypothesis testing where CAR affects NPL Conventional Commercial Banks in Indonesia seen the results of t count -3,507 < 2,068 t table with a signifies value of CAR of 0.0006 is smaller than α 0.05. LDR has no effect on NPL of Conventional Commercial Banks with the calculation result of -1,116 < 2,068 t table with a significant LDR value of 0.2665 greater than α 0.05.
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Reports on the topic "Logan Tent No"

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Karlan, Dean, Melanie Morten, and Jonathan Zinman. A Personal Touch: Text Messaging for Loan Repayment. Cambridge, MA: National Bureau of Economic Research, March 2012. http://dx.doi.org/10.3386/w17952.

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Morales, Paola, Daniel Osorio-Rodíguez, Juan S. Lemus-Esquivel, and Miguel Sarmiento. The internationalization of domestic banks and the credit channel of monetary policy. Banco de la República, November 2021. http://dx.doi.org/10.32468/be.1181.

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How does the expansion of domestic banks in international markets affect the bank lending channel of monetary policy? Using bank-firm loan-level data, we find that loan growth and loan rates from international banks respond less to monetary policy changes than domestic banks and that internationalization partially mitigates the risk-taking channel of monetary policy. Banks with a large international presence tend to tolerate more their credit risk exposition relative to domestic banks. Moreover, international banks tend to rely more on foreign funding when policy rates change, allowing them to insulate better the monetary policy changes from their credit supply than domestic banks. This result is consistent with the predictions of the internal capital markets hypothesis. We also show that macroprudential FX regulation reduces banks with high FX exposition access to foreign funding, ultimately contributing to monetary policy transmission. Overall, our results suggest that the internationalization of banks lowers the potency of the bank lending channel. Furthermore, it diminishes the risk-taking channel of monetary policy within the limit established by macroprudential FX regulations.
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Bonomo, Marco, Ricardo Brito, and Bruno Martins. Macroeconomic and Financial Consequences of the Post-Crisis Government-Driven Credit Expansion in Brazil. Inter-American Development Bank, March 2015. http://dx.doi.org/10.18235/0011682.

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Government-driven credit played an important role in countervailing the private credit crunch in Brazil during the recent financial crisis. However, government credit concessions continued to expand after the economy recovered. This paper investigates some important features of this expansion using a huge repository of loan contracts between banks and firms, composing an unbalanced panel of almost 1 million firms between 2004 and 2012. The results show that larger, older and less risky firms have benefited most from the government-sponsored credit expansion. Additionally, although higher access to earmarked credit tends to lead to higher leverage, the effect on investment appears to be insignificant for publicly traded firms. Since interest rates on earmarked loans are lower than market interest rates, firms with higher access to this type of loan tend to lower the cost of debt.
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Siebenaler, Shane. PR-015-163766-R01 Field Testing of Distributed Acoustic Sensing Systems. Chantilly, Virginia: Pipeline Research Council International, Inc. (PRCI), July 2018. http://dx.doi.org/10.55274/r0011503.

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Distributed acoustic sensing (DAS) technology utilizes a fiber-optic cable as a distributed vibration sensor that can be installed in a right-of-way to monitor for pipeline leaks and to identify third-party interference (TPI), such as mechanized excavation, hand digging, etc. Various laboratory tests have been performed to demonstrate that DAS has the potential to be a flexible solution for pipeline operators. A key gap that needs to be assessed is the ability of the technology to serve its intended leak detection and TPI functions while not generating alarms at any other times. The most comprehensive means of performing such an evaluation is through an actual field demonstration of DAS technology on an operational pipeline. This report documents a ten-week-long test of four commercially available DAS technologies on an operational pipeline. The pipeline segment is 25-kilometers in length, and the systems were configured to autonomously alarm to leaks and mechanical digging. This research demonstrates the real-world performance of such systems and provides qualitative information in regards to the operational requirements for sustained deployment of DAS technology. This document has a related webinar. (member login required)
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Klinger, Bailey, Asim Khwaja, and Joseph LaMonte. Improving Credit Risk Analysis with Psychometrics in Peru. Inter-American Development Bank, October 2013. http://dx.doi.org/10.18235/0009139.

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Access to finance remains a challenge for some micro, small, and medium-sized enterprises (MSMEs) in Peru, particularly informal enterprises with no borrowing history in the formal financial system. Lenders lack the tools to reach these borrowers with sufficient scale and control over risk due in part to the shortcomings of current screening technologies. For this paper, the authors carried out a pilot test of an innovative psychometric tool aimed at evaluating credit risk for business owners seeking a loan from Financiera Confianza, the fourth largest Empresa Financiera in Peru. Applicant responses were compared to self-reported sales, subsequent loan repayment performance, and credit bureau data to determine if psychometric-based credit scoring models could reduce the constraints on MSME finance. The authors created a scorecard based on that information using data from other countries and evaluated its effectiveness on this sample. It achieved a Gini coefficient of between 20 and 40 percent. Those MSMEs rejected by a psychometrically enhanced application scorecard with this Gini coefficient have a probability of defaulting that is up to four times greater than those accepted by the scorecard. Along with other policies to reduce information asymmetry in MSME lending, such a tool could help relieve constraints on MSME finance in Peru.
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Hernández Romero, Karla, Diego A. Vera-Cossio, Bridget Hoffmann, and Camilo Pecha. The Promises of Digital Bank Accounts for Low-income Individuals. Inter-American Development Bank, January 2024. http://dx.doi.org/10.18235/0005521.

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The push for adopting digital modes of payment rests on three promises: increased efficiency of transactions, increased financial inclusion, and improvements in the financial well-being of low-income individuals. We experimentally test the extent to which these promises are fulfilled. We exploit the random assignment into an intervention to encourage direct deposits of recurrent government benefits into digital bank accounts in Colombia. Switching from cash to direct deposits reduces disbursement errors and increases access to benefits among eligible beneficiaries. It also increases the ownership of bank accounts, the demand for formal loans, and loan take-up among individuals without a financial history. However, we do not find evidence of improvements in financial well-being across any of our metrics.
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Gamba-Santamaria, Santiago, Luis Fernando Melo-Velandia, and Camilo Orozco-Vanegas. What can credit vintages tell us about non-performing loans? Banco de la República de Colombia, February 2021. http://dx.doi.org/10.32468/be.1154.

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Using Colombian credit vintage data, we decompose the non-performing loans into one component that captures the evolution of the payment capacity of borrowers, and other component that captures changes in the credit risk taken by the financial system at the time of loan disbursement. We use intrinsic estimators and penalized regression techniques to overcome the perfect multicollinearity problem that the model entails. We find that these two type of components have evolved differently over time, and that good economic conditions and loose financial conditions improve the payment capacity of borrowers to meet their obligations, and in turn, they tend to coincide with the financial system engaging in riskier loans. Finally, we advocate the use of this methodology as a policy tool that is easy to apply by financial and economic authorities that dispose of a constant flow of credit vintage information. Through it, they will be able to identify the origin of the credit risk materialization and curb the risk taken by the financial system.
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Correa, Ricardo, Julian di Giovanni, Linda S. Goldberg, and Camelia Minoiu. Trade Uncertainty and U.S. Bank Lending. Federal Reserve Bank of New York, November 2023. http://dx.doi.org/10.59576/sr.1076.

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This paper uses U.S. loan-level credit register data and the 2018–2019 Trade War to test for the effects of international trade uncertainty on domestic credit supply. We exploit cross-sectional heterogeneity in banks’ ex-ante exposure to trade uncertainty and find that an increase in trade uncertainty is associated with a contraction in bank lending to all firms irrespective of the uncertainty that the firms face. This baseline result holds for lending at the intensive and extensive margins. We document two channels underlying the estimated credit supply effect: a wait-and-see channel by which exposed banks assess their borrowers as riskier and reduce the maturity of their loans, and a financial frictions channel by which exposed banks facing relatively higher balance sheet constraints contract lending more. The decline in credit supply has real effects: firms that borrow from more exposed banks experience lower debt growth and investment rates. These effects are stronger for firms that are more reliant on bank finance.
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McCall, Jamie, Brittany Weston, James Onorevole, John Roberson, and Jamie Andrews. Extraordinary Times Call for Extraordinary Measures: Use of Loans and Grants for Small Business Assistance During the COVID-20 Pandemic. Carolina Small Business Development Fund and ResilNC, October 2022. http://dx.doi.org/10.46712/extraordinary.times.

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The financial losses caused by COVID-19 are extraordinary in scope and have affected every facet of the small business ecosystem. For entrepreneurs, recovery from the pandemic has similarly required extraordinary levels of assistance. We assess the connection between COVID-19 grant and loan emergency interventions with a variety of positive community economic development impacts. Our analysis draws from a survey of aid recipients across ten COVID-19 relief programs offered or administered by Carolina Small Business Development Fund between February 2020 and February 2022. The data highlight three main findings. First, while the pandemic’s economic damage was high across all underprivileged communities, in many cases the harms disproportionately accrued to Black-owned firms. Second, the results show that grant initiatives are better for short-term financial stability and are likely to position recipients for future financing opportunities. Finally, disaster loans are favored for outcomes related to higher employment retention and a creating a more favorable business sentiment outlook.
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Financial Stability Report - Second Semester of 2021. Banco de la República, September 2022. http://dx.doi.org/10.32468/rept-estab-fin.sem2.eng-2021.

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Banco de la República’s main objective is to preserve the purchasing power of the currency in coordination with the general economic policy that is intended to stabilize output and employment at long-term sustainable levels. Properly meeting the goal assigned to the Bank by the 1991 Constitution critically depends on preserving financial stability. This is understood to be a general condition in which the financial system assesses and manages the financial risks in a way that facilitates the economy’s performance and efficient allocation of resources while, at the same time, it is able to, on its own, absorb, dissipate, and mitigate the shocks that may arise as a result of adverse events. This Financial Stability Report meets the goal of giving Banco de la República’s diagnosis of the financial system’s and its debtors’ recent performance as well as of the main risks and vulnerabilities that could affect the stability of the Colombian economy. In this way, participants in financial markets and the public are being informed, and public debate on trends and risks affecting the system is being encouraged. The results presented here also serve the monetary authority as a basis for making decisions that will enhance financial stability in the general context of its objectives. In recent months, several positive aspects of the financial system have preserved a remarkable degree of continuity and stability: the liquidity and capital adequacy of financial institutions have remained well above the regulatory minimums at both the individual and consolidated levels, the coverage of past-due loans by loan-loss provisions remains high, and the financial markets for public and private debt and stocks have continued to function normally. At the same time, a surge in all the types of loan portfolios, a sharp downturn in the non-performing loan portfolio, and a rise in the profitability of credit institutions can be seen for the first time since the beginning of the pandemic. In line with the general recovery of the economy, the main vulnerability to the stability of the Colombian financial system identified in the previous edition—uncertainty about changes in the non-performing loans portfolio—has receded and remains on a downward trend. In this edition, the main source of vulnerability identified for financial stability in the short term is the system’s exposure to sudden changes in international financial conditions; the results presented in this Report indicate that the system is sufficiently resilient to such scenarios. In compliance with its constitutional objectives and in coordination with the financial system’s security network, Banco de la República will continue to closely monitor the outlook for financial stability at this juncture and will make the decisions necessary to ensure the proper functioning of the economy, facilitate the flow of sufficient credit and liquidity resources, and further the smooth functioning of the payment system. Leonardo Villar Gomez Governor Box 1 -Decomposition of the Net Interest Margin in Colombia and Chile Wilmar Cabrera Daniela Rodríguez-Novoa Box 2 - Spatial Analysis of New Home Prices in Bogota, Medellín, and Cali Using a Geostatistical Approach María Fernanda Meneses Camilo Eduardo Sánchez Box 3 - Interest Rate Model for the SYSMO Stress Test Exercise Wilmar Cabrera Diego Cuesta Santiago Gamba Camilo Gómez Box 4 - The Transition from LIBOR and other International Benchmark Rates Daniela X. Gualtero Briceño Javier E. Pirateque Niño
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