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Littérature scientifique sur le sujet « Insured Loan »

Auteur : Grafiati

Publié le 10 mars 2023

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Articles de revues sur le sujet "Insured Loan"

Santini, Inawati. "WANPRESTASI PEMBAYARAN KLAIM ASURANSI JIWA AKIBAT KELALAIAN PENYERAHAN BERKAS OLEH MITRA PENANGGUNG SEBAGAI KOLEKTOR PENGAJUAN KLAIM (Studi Kasus Sertifikat Asuransi Polis Nomor 15.001673)." UNES Law Review 1, no. 2 (2018): 184–98. http://dx.doi.org/10.31933/law.v1i2.26.

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   At this time many banks are incentive to lure consumer credit to consumers. In general, consumer loan interest rate is higher than productive credit, even there is a fixed rate. It seems that the fixed rate makes it easy to organize family finances, paying only monthly installments of the same amount, but if carefully calculated, the interest is much higher. Consumer Loan Protection with Insurance Policy Certificate 15.001673 is a life insurance product that guarantees repayment of the remaining amount of Loans and / or monthly loan installment of the Customer as Participant (Insured) to the Policyholder in case the Participant (the Insured) has a death risk or total temporary disability / Or total permanent disability. Although it is clear about the rights and obligations in the insurance agreement but the reality is very different because it turns out the insurer does not fulfill its obligations in the event of claim submission from the insured. Rejection of insurance claims may be made by the insurer under the pretext of submitting the file beyond the specified time limit. Issues to be studied further is how validation of denial of life insurance claim made by Jasindo in accordance with the insurance policy and existing legislation and whether Partner Error is can be classified as Wanprestasi payment of Insurance Claim for late in submission of policy file No: 15.001673. In conducting research, this research is normative law research that is research having object of study about rule or rule. The objective is to determine the validity of the refusal of insurance claims made by Jasindo in accordance with the existing insurance policies and regulations and to find out the Default Payment of Insurance Claims due to Delayed Submission by Marketing Party as Collector Submission of Claim on Insurance Certificate Number 15.001673  

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Gurung, Jas Bahadur. "Insureds’ Perception towards Insurance Services in Pokhara." REPOSITIONING The Journal of Business and Hospitality 1 (November 20, 2016): 23–36. http://dx.doi.org/10.3126/repos.v1i0.16040.

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The basic objective of this study is to analyze the perception or opinion of Insured on the services provided by the insurers, agents and surveyors in Pokhara valley. Study shows 71.57 percent respondents agreed insurance creates awareness among people. Similarly, 73.53 percent respondents agreed it also provides social security. Regarding interest rates on loan, 57.43 percent respondents are indifferent on their opinion that whether the rate of interest on loan is cheaper or not but 30.69 percent are agreed that interest on loan is cheaper. Sixty-six point six seven percent respondents are neutral that payment of loan installment is easier or not but 22.22 percent opined installment payment is easier in insurance companies. In the context of satisfactoriness of insurance services, 50.49 percent respondents agreed that services of insurance companies are satisfactory. Out of 92 respondents, 71.74 percent argued that they are satisfied with the services of insurance agents and 28.26 percent are not satisfied. Of the total respondents, 35.89 percent agreed on the performance of insurance surveyors is satisfactory and free of bias. But 33.33 percent respondents on the other are neutral about the performance and behavior of surveyors. On the whole, the above facts imply that the perception of insureds towards insurance services is satisfactory in Pokhara valley.Repositioning Vol.1(1) 2016: 23-36

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Root, Hilton L., Mark Andrew Abdollahian, and Jacek Kugler. "In Korea, the Thirst for Funds Drives Change." Review of Pacific Basin Financial Markets and Policies 05, no. 01 (2002): 1–30. http://dx.doi.org/10.1142/s0219091502000717.

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It is widely acknowledged that Korea will not be secure against future economic crisis without structural reform of finance, enterprise and labor markets. Real reform requires a transfer of authority from the government to market-based institutions, forcing banks to take full responsibility for the loans they authorize. Before the crisis, the government implicitly insured depositors' bank loans made to the large conglomerates, leaving banks little incentive to develop the necessary skills in credit analysis and loan monitoring. The insured agents did not take proper care to manage their risks. Moral hazard or will increased government control over the financial sector weaken market discipline?

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Shkodrova, Ina. "Life Insurance as Collateral for Bank Credit." International conference KNOWLEDGE-BASED ORGANIZATION 26, no. 2 (2020): 99–103. http://dx.doi.org/10.2478/kbo-2020-0060.

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AbstractThis article will cover issues related to the obligations of the parties to the contract and the subject of the insurance contract concluded in connection with a bank loan agreement. Who are the parties to the contract and who benefits from the insured amount when the insured event occurs? What is the purpose, what does the Insurance Code provide and how does it guarantee the creditor’s rights? Insurance as additional collateral for the bank.

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Kopkin, Nolan. "The conditional spatial correlations between racial prejudice and racial disparities in the market for home loans." Urban Studies 55, no. 16 (2018): 3596–614. http://dx.doi.org/10.1177/0042098018755086.

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Many studies have shown the existence of disparities in loan denial rates between blacks and whites that cannot be accounted for by observable applicant characteristics. Examining the link between racial gaps in home loan denial rates and prejudicial attitudes toward blacks measured by questions in the General Social Survey, this article shows not only that blacks are more likely to be denied conventional home mortgages but that denial rates among blacks for these loans are also geographically correlated with racial prejudice, particularly among first-lien home purchase loans and loans from depository lenders. However, among Federal Housing Administration-insured loans guaranteed by the government in the event of borrower default, this study finds no evidence of a statistical relationship between racial prejudice and loan denials among black applicants. Results are consistent with taste-based discrimination by discriminatory lenders; however, one cannot rule out that statistical discrimination is at least partially driving the results.

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Kvanina, V. V., and M. N. Lokteva. "About Certain Issues of Hard Selling of Insurance Services when Concluding a Loan Agreement: Law and Practice." Courier of Kutafin Moscow State Law University (MSAL)), no. 7 (September 23, 2022): 94–102. http://dx.doi.org/10.17803/2311-5998.2022.95.7.094-102.

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Based on the analysis of materials of law enforcement practice on the issue of imposing additional insurance services on the borrower at the conclusion of a loan agreement, the most typical cases of violation of the borrower’s rights regarding compliance with their right to refuse additional insurance services, including life and/or health insurance of the borrower, have been identified; providing the borrower with a consumer loan on the same terms if the borrower has independently insured his life, health/ other insurance interest in favor of the lender from the insurer that meets the criteria established by the lender in accordance with the requirements of the legislation; refund to the policyholder of the insurance premium paid in case of refusal of the policyholder from the voluntary insurance contract, etc.The article proposes at the legislative level to fix the bank’s obligation to reflect in lending documents information about the full cost of the loan with the presence of risk insurance, as well as information about the full cost of the loan without the purchase of insurance services, and, accordingly, the consolidation of this right in the insurance policy, which will give the relationship between the bank and the borrower more transparency.

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Flannery, Mark J. "Capital regulation and insured banks choice of individual loan default risks." Journal of Monetary Economics 24, no. 2 (1989): 235–58. http://dx.doi.org/10.1016/0304-3932(89)90005-6.

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Dewi, I. Gusti Agung Mas Cahyani, Anak Agung Sagung Laksmi Dewi, and Ni Made Puspasutari Ujianti. "Kedudukan Hukum Perjanjian Kredit dalam Hal Objek Jaminan Fidusia Musnah." Jurnal Preferensi Hukum 1, no. 1 (2020): 228–33. http://dx.doi.org/10.22225/jph.1.1.2166.228-233.

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Crediting activities can be carried out by anyone who has the ability to initiate a loan agreement between the creditor / creditor and the recipient of the loan / debtor, this is regulated in article 8 of the Banking Act. This study aims to analyze the legal position in the credit agreement if the fiduciary collateral object is destroyed, and analyze efforts to resolve disputes due to the destruction of the fiduciary collateral object. The method used is an empirical method with the approach of legal sociology. The results showed that the legal position of the credit agreement if the fiduciary collateral object was destroyed either in the case that the object became the object had been insured or not insured by the owner of the object. The credit agreement remains and the debtor remains responsible for paying off the debt. With this situation, the creditor will turn into a concurrent creditor. Furthermore, in resolving disputes the destruction of fiduciary collateral objects, there are two ways, namely, if the object used as fiduciary collateral object by the debtor in a credit agreement is insured, the creditor can claim insurance for the collateralized object. Whereas if the object which is used as collateral has not been insured in this case the creditor has issued a credit and is taking care of the object's insurance, an undesirable event occurs by the debtor and the creditor, namely the destruction of the object used as collateral. Then the debtor must be held responsible by replacing the items pledged with new objects owned by the debtor and the selling price is the same as the credit issued by the creditor.

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Kim, Kevin Nooree, and Ani L. Katchova. "Impact of the Basel III bank regulation on US agricultural lending." Agricultural Finance Review 80, no. 3 (2020): 321–37. http://dx.doi.org/10.1108/afr-11-2019-0124.

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Purpose Following the recent global financial crisis, US regulatory agencies issued laws to implement the Basel III accords to ensure the resiliency of the US banking sector. Theories predict that enhanced regulations may alter credit issuance of the regulated banks due to increased capital requirements, but the direction of changes might not be straightforward especially with respect to the agricultural loans. A decrease in credit availability from banks might pose a serious problem for farmers who rely on bank credit especially during economic recessions. The paper aims to discuss these issues. Design/methodology/approach In this study, the impact of Basel III regulatory framework implementation on agricultural lending in the USA is examined. Using panel data of FDIC-insured banks from 2008 to 2017, the agricultural loan volume and growth rates are examined for agricultural banks and all US banks. Findings The results show that agricultural loan growth rates have slowed down, but the amount of agricultural loan volume issuance still remained positive. More detailed examination finds that regulated agricultural banks have decreased both the agricultural loan volume and their loan exposure to the agricultural sector, showing a possible sign of credit crunch. Originality/value This study examines whether the implementation of the Basel III regulation has resulted in changes in agricultural loan issuance by US banks as predicted by the lending channel theory.

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Tang, Chunhua, Huiyuan Zhang, and Jiamuyan Xie. "Optimal Contract Design in Contract Farming under Asymmetric Effort Information." Sustainability 14, no. 22 (2022): 15000. http://dx.doi.org/10.3390/su142215000.

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This paper studies the contract design, optimal financing, and pricing decision of the leading agricultural enterprise when the level of effort of the farmer is private information. We use buyer direct finance and add agricultural income insurance to transfer risks to overcome the farmer’s loan difficulty and contract default caused by information asymmetry. We design four kinds of contracts, including the uninsured and symmetric information contract (SN contract), the uninsured and asymmetric information contract (AN contract), the insured and symmetric information contract (SY contract), and the insured and asymmetric information contract (AY contract). Through comparative analysis of the different types of contracts, several results are obtained. First, when there is no insurance, supervision of the leading enterprise can improve the farmer’s level of effort; but supervision costs are incurred, and incentive contracts can avoid the farmer’s moral hazard. Second, agricultural income insurance improves the farmer’s level of effort when information is asymmetric, which transfers risks and saves costs for all the game participants. Third, the leading enterprise prefers an asymmetric information contract and the farmer prefers AN contract when the probability of loan repayment is high.

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