I. INTRODUCTION The term “identity crisis” was coined by Erik Erikson an American Psychologist. According to him‚ identity crisis refers to the failure of establishing one’s identity or ego identity‚ this ego identity means the sense of individuality or the uniqueness of one’s self and the sense of familiarity of where one’s going. This‚ identity crisis occur during adolescence stage‚ and that adolescence that do not have a strong sense of self or identity exhibit role confusion and may encounter
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CREDIT RISK MANAGEMENT PRACTICES AMONG COMMERCIAL BANKS IN KENYA BY: PAUL MWANIKI THUO BUSINESS SEMINAR PAPER AUGUST 2013 Abstract Financial and non-financial organizations have financial disasters which point to the need for various forms of risk management practices. Banks and other financial institutions have faced difficulties over the years for a number of reasons. However‚ the major cause of serious banking problems continues to be directly related to lax credit standards for
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IMPACT OF CREDIT RISK ON PERFORMANCE OF NIGERIAN BANKS BY LAWAL AHMED ABSTRACT BACKGROUND TO THE STUDY Financial institutions are germane to the economic development of any nation through the financial services they provide. Their intermediation role can be said to be a catalyst for economic growth. The banking industry in Nigeria has achieved great prominence as a result of the intermediation role. The efficient and effective performance of the financial services industry over time is
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Reserve Bank of India Occasional Papers Vol. 24‚ No. 3‚ Winter 2003 Non-Performing Loans and Terms of Credit of Public Sector Banks in India: An Empirical Assessment Rajiv Ranjan and Sarat Chandra Dhal* This paper explores an empirical approach to the analysis of commercial banks’ nonperforming loans (NPLs) in the Indian context. The empirical analysis evaluates as to how banks’ non-performing loans are influenced by three major sets of economic and financial factors‚ i.e.‚ terms of credit‚ bank
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WORKING REPORT ON “CREDIT POLICY AND CREDIT RISK MANAGEMENT OF IFIC BANK LTD” Chapter 01 Introduction 1.1 Background of Study: A banking institution is crucial at today’s modern macro-economic system both for domestic and international perspective (Mr. Toha‚ personal communication‚ October 5‚ 2011). Banks play a vital role in the economy by providing means of payment and in mobilizing resources (Mr. Shoel‚ personal communication‚ October10‚ 2011). Now people directly or indirectly
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Russian Default 1998 1 Intro Russian financial crisis – Ruble crisis – Russian flu -> 17th august 1998 Result => Devaluation of Ruble ‚ Default on Debt Causes => Declining productivity high fixed exchange rate chronic fiscal deficit Economic burden of Chechen war Asian financial crisis 1997 Commodity prices – oil & non-ferrous metals – impacted foreign exchange reserves Political crisis => Russian president Boris Yeltsin dismisses PM Viktor Chernomyrdin & his cabinet - 23 March 1998. Yeltsin ->
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THE EVALUATION OF CREDIT RISKS OF MONGOLIAN BANKS USING ARTIFICIAL NEURAL NETWORK AND SELECTED ECONOMETRIC MODELS Battulga Otgonbaatar Manduhai Mendbayar Shurentsetseg Byambatsogt Institute of Finance and Economics of Mongolia/ Economic department Abstract The importance of optimal decision-making and precise predictions is not limited to banks only but also of importance to other financial institutions. Nowadays‚ financial markets are becoming increasingly uncertain and interdependent‚
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September‚ 2011 Our Ref:No.SC/02 The Chairman‚ Delta State Oil Producing Area Development Commission (DESOPADEC)‚ Warri‚ Delta State. PROPOSAL FOR TRAINING OF GRADUATES IN DELTA STATE OIL PRODUCING AREA IN PARTNERSHIP WITH NIIT ON INFORMATION TECHNOLOGY (I.T) I wish to refer to the foregoing and to humbly seek the attention of the Executive Chairman‚ Delta State Oil Producing Area Development Commission (DESOPADEC)‚ on the imperative for training graduates and graduating unemployed
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dfmh Financial Management Meaning‚ Objective‚ Scope and Importance of Financial Management Finance is regarded as the life blood of a business enterprise. This is because in the modern money oriented economy‚ finance is one of the basic foundations of all kinds of economic activities. It is the master key which provides access to all the resources for being employed in manufacturing and merchandising activities. It has rightly been said that business needs money to make more money. However
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Bradley Harding 10/20 First Term Students For every college student the first term is always the hardest. In most cases the hardest part in college is the transition from high school to college. The first week of college most students feel isolated and separated from friends. Assuming you don’t know anyone that goes to your school makes it harder to meet new friends. You know you are going to get a lot of work and you must do well on your studies. In order to do well in your studies you
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