Credit Reporting at the Base of the Pyramid: Key Issues
... serve 91.7 million microcredit borrowers. Over time, many MFIs have developed original and robust lending methods, which often involve strong loan officer–client relationships, a good knowledge of customers’ reputation and business that is supported by frequent visits to the business, and nontraditi ...
... serve 91.7 million microcredit borrowers. Over time, many MFIs have developed original and robust lending methods, which often involve strong loan officer–client relationships, a good knowledge of customers’ reputation and business that is supported by frequent visits to the business, and nontraditi ...
Apogee Enterprises, Inc. - Investor Relations Solutions
... Chief Executive Officer Joe Puishys Dear Shareholders: Fiscal 2016 was a record year for Apogee as we achieved the highest level of revenues and earnings per share in the company’s 67-year history. We believe our record-breaking performance will continue, as our U.S. non-residential construction mar ...
... Chief Executive Officer Joe Puishys Dear Shareholders: Fiscal 2016 was a record year for Apogee as we achieved the highest level of revenues and earnings per share in the company’s 67-year history. We believe our record-breaking performance will continue, as our U.S. non-residential construction mar ...
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
... Existing economic conditions include prices and costs at which economic producibility from a reservoir is to be determined. The price shall be the average price during the 12-month period before the ending date of the period covered by the report, determined as an unweighted arithmetic average of th ...
... Existing economic conditions include prices and costs at which economic producibility from a reservoir is to be determined. The price shall be the average price during the 12-month period before the ending date of the period covered by the report, determined as an unweighted arithmetic average of th ...
Is there any Dependence between Consumer Credit
... (Campbell, 2006; Campbell et al. 2010; Tufano, 2009), but the recent financial crisis clearly shows that consumer financial services are not well managed, and deserve further study. New revolving credit instruments have been made available to consumers during the past decades; their utilization has ...
... (Campbell, 2006; Campbell et al. 2010; Tufano, 2009), but the recent financial crisis clearly shows that consumer financial services are not well managed, and deserve further study. New revolving credit instruments have been made available to consumers during the past decades; their utilization has ...
us ecology, inc. - Morningstar Document Research
... many circumstances, the ultimate outcome of these estimates and assumptions will not be known for decades into the future. Actual results could differ materially from these estimates and assumptions due to changes in applicable regulations, changes in future operational plans and inherent imprecisio ...
... many circumstances, the ultimate outcome of these estimates and assumptions will not be known for decades into the future. Actual results could differ materially from these estimates and assumptions due to changes in applicable regulations, changes in future operational plans and inherent imprecisio ...
BLOUNT INTERNATIONAL INC (Form: 10-K
... services is allocated to our business segments using various allocation drivers such as employee headcount, software licenses, purchase volume, shipping volume, sales revenue, square footage, and other factors. Merger Agreement On December 9, 2015, we entered into a definitive agreement (the "Merger ...
... services is allocated to our business segments using various allocation drivers such as employee headcount, software licenses, purchase volume, shipping volume, sales revenue, square footage, and other factors. Merger Agreement On December 9, 2015, we entered into a definitive agreement (the "Merger ...
Some Indicators of a Firm`s Risk and Debt Capacity
... These factors are not listed in order of priority or importance. (It is just that FRIC'.TO sounds better than ICT'.FOR). For each firm, and in different economic environments, the relative importance of the various factors will differ. However, the manager should ensure that all the important facto ...
... These factors are not listed in order of priority or importance. (It is just that FRIC'.TO sounds better than ICT'.FOR). For each firm, and in different economic environments, the relative importance of the various factors will differ. However, the manager should ensure that all the important facto ...
Diamondback Energy, Inc.
... During the six months ended June 30, 2015, we drilled 26 gross (22 net) horizontal wells and two gross (one net) vertical wells and participated in the drilling of six non-operated wells in the Permian Basin. In the second quarter of 2015, we completed our second test of 500 foot interlateral spacin ...
... During the six months ended June 30, 2015, we drilled 26 gross (22 net) horizontal wells and two gross (one net) vertical wells and participated in the drilling of six non-operated wells in the Permian Basin. In the second quarter of 2015, we completed our second test of 500 foot interlateral spacin ...
ABSTRACT ESSAYS IN INTERNATIONAL FINANCE Christian Daude, Doctor of Philosophy, 2008
... Access to private capital markets is the most salient difference between emerging market economies and other developing countries. However, in contrast to developed economies, emerging markets have had a troubled relationship with capital flows. In particular, balance of payments and debt crises hav ...
... Access to private capital markets is the most salient difference between emerging market economies and other developing countries. However, in contrast to developed economies, emerging markets have had a troubled relationship with capital flows. In particular, balance of payments and debt crises hav ...
broadridge financial solutions, inc.
... distribution of proxy materials to investors in equity securities and mutual funds, as well as the facilitation of related vote processing. ProxyEdge ® , its innovative electronic proxy delivery and voting solution for institutional investors, helps ensure the participation of the largest stockholde ...
... distribution of proxy materials to investors in equity securities and mutual funds, as well as the facilitation of related vote processing. ProxyEdge ® , its innovative electronic proxy delivery and voting solution for institutional investors, helps ensure the participation of the largest stockholde ...
Felonious, Erroneous, It`s All Odious: A Story of Debt Gone Wrong
... Securitization22 of sovereign debt began in the 1990s and has permitted traditional investors to invest in sovereign debt.23 Most sovereign bonds are issued under New York or English law.24 Foreign sovereign bonds governed by New York law are typically issued through a fiscal agency agreement.25 Thi ...
... Securitization22 of sovereign debt began in the 1990s and has permitted traditional investors to invest in sovereign debt.23 Most sovereign bonds are issued under New York or English law.24 Foreign sovereign bonds governed by New York law are typically issued through a fiscal agency agreement.25 Thi ...
flowers foods, inc. - corporate
... Statements contained in this filing and certain other written or oral statements made from time to time by the company and its representatives that are not historical facts are forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements r ...
... Statements contained in this filing and certain other written or oral statements made from time to time by the company and its representatives that are not historical facts are forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements r ...
Merrill Document Readback
... not statements of historical facts. Forward looking statements may be identified by the use of words like “expect,” “anticipate,” “intend,” “forecast,” “outlook,” “will,” “may,” “might,” “potential,” “likely,” “target,” “plan,” “contemplate,” “seek,” “attempt,” “should,” “could,” “would” or expressi ...
... not statements of historical facts. Forward looking statements may be identified by the use of words like “expect,” “anticipate,” “intend,” “forecast,” “outlook,” “will,” “may,” “might,” “potential,” “likely,” “target,” “plan,” “contemplate,” “seek,” “attempt,” “should,” “could,” “would” or expressi ...
Home credit remedies evaluation
... • the changes to early settlement rebates have led to a transfer from lenders to customers of around £35 million a year, approximately half of the detriment the CC identified in 2006. There is no evidence of this change having led to increases in the headline cost of credit. However, the paper finds ...
... • the changes to early settlement rebates have led to a transfer from lenders to customers of around £35 million a year, approximately half of the detriment the CC identified in 2006. There is no evidence of this change having led to increases in the headline cost of credit. However, the paper finds ...
SCHULMAN A INC - Nasdaq`s INTEL Solutions
... brighteners. In addition, the Company’s products are also designed with efficiency in mind, allowing parts to be produced faster, while maintaining the highest performance levels. The Company’s offering of colorant solutions is also expansive, including a wide spectrum of standard and high-chroma co ...
... brighteners. In addition, the Company’s products are also designed with efficiency in mind, allowing parts to be produced faster, while maintaining the highest performance levels. The Company’s offering of colorant solutions is also expansive, including a wide spectrum of standard and high-chroma co ...
0001053532-17-000022 - Lasalle Hotel Properties
... of operations and comprehensive income (loss), consolidated statements of equity and consolidated statements of cash flows for the periods presented. Operating results for the three months ended March 31, 2017 are not necessarily indicative of the results that may be expected for the year ending Dec ...
... of operations and comprehensive income (loss), consolidated statements of equity and consolidated statements of cash flows for the periods presented. Operating results for the three months ended March 31, 2017 are not necessarily indicative of the results that may be expected for the year ending Dec ...
The Interplay Between Student Loans and Credit Cards: Implications for Default ∗
... U.S. and their impact on default incentives of young U.S. households. As we argue in this paper, the interaction between different bankruptcy arrangements induces significant trade-offs in default incentives in the two markets. Understanding these trade-offs is particularly important in the light o ...
... U.S. and their impact on default incentives of young U.S. households. As we argue in this paper, the interaction between different bankruptcy arrangements induces significant trade-offs in default incentives in the two markets. Understanding these trade-offs is particularly important in the light o ...
13 Fiscal Monitor Fiscal Adjustment in an Uncertain World
... The projections included in this issue of the Fiscal Monitor are based on the same database used for the April 2013 World Economic Outlook and Global Financial Stability Report (and are referred to as “IMF staff projections”). Fiscal projections refer to the general government unless otherwise indic ...
... The projections included in this issue of the Fiscal Monitor are based on the same database used for the April 2013 World Economic Outlook and Global Financial Stability Report (and are referred to as “IMF staff projections”). Fiscal projections refer to the general government unless otherwise indic ...
Credit Scores, Reports, and Getting Ahead in
... Consumer credit reports and scores play a growing role in the ability of families to get ahead, now influencing prices for loans and insurance and efforts to get jobs and rent apartments. An analysis of a quarterly sample of 25 million anonymous consumer credit reports and scores for every U.S. coun ...
... Consumer credit reports and scores play a growing role in the ability of families to get ahead, now influencing prices for loans and insurance and efforts to get jobs and rent apartments. An analysis of a quarterly sample of 25 million anonymous consumer credit reports and scores for every U.S. coun ...
The Role of the IMF in Debt Restructurings: L I A , Moral Hazard and
... is not robust enough and may underestimate the risks faced by debtor countries, particularly when adverse shocks are positively correlated and persistent, as has often been the experience in developing countries. Moreover, the IMF has shown a systematic tendency to be overoptimistic in its debt sust ...
... is not robust enough and may underestimate the risks faced by debtor countries, particularly when adverse shocks are positively correlated and persistent, as has often been the experience in developing countries. Moreover, the IMF has shown a systematic tendency to be overoptimistic in its debt sust ...
Form 10-K - corporate
... sales to customers outside the U.S. IDEX Health & Science. IH&S consists of the Eastern Plastics, Innovadyne, Isolation Technologies, Rheodyne, Ismatec, Sapphire Engineering, Systec and Upchurch Scientific businesses and has facilities in Rohnert Park, California (Innovadyne, Rheodyne and Systec pro ...
... sales to customers outside the U.S. IDEX Health & Science. IH&S consists of the Eastern Plastics, Innovadyne, Isolation Technologies, Rheodyne, Ismatec, Sapphire Engineering, Systec and Upchurch Scientific businesses and has facilities in Rohnert Park, California (Innovadyne, Rheodyne and Systec pro ...
Responding to Shocks and Maintaining Stability in the West
... climate-related (e.g., droughts, floods), with a heavy toll on populations and agriculture, but also economic (e.g., terms of trade gyrations), with a large impact on key sectors and the cost of living. More generally, business cycle synchronization within the WAEMU seems low. Addressing these shock ...
... climate-related (e.g., droughts, floods), with a heavy toll on populations and agriculture, but also economic (e.g., terms of trade gyrations), with a large impact on key sectors and the cost of living. More generally, business cycle synchronization within the WAEMU seems low. Addressing these shock ...
building the case for social investment in credit unions
... of occasions. These long term loans are a useful way of providing a credit union with access to sustainable capital for growth, as these loans must remain outstanding a minimum of five years to count towards regulatory capital. The investments we encountered in our research were made by investors wh ...
... of occasions. These long term loans are a useful way of providing a credit union with access to sustainable capital for growth, as these loans must remain outstanding a minimum of five years to count towards regulatory capital. The investments we encountered in our research were made by investors wh ...
First Report on the Public Credit
The First Report on the Public Credit was one of three major reports on fiscal and economic policy submitted by American Founding Father and first United States Treasury Secretary Alexander Hamilton on the request of Congress. The report analyzed the financial standing of the United States of America and made recommendations to reorganize the national debt and to establish the public credit. Commissioned by the House of Representatives on September 21, 1789, the Report was presented on January 9, 1790, at the second session of the First US Congress. The 40,000 word document called for full federal payment at face value to holders of government securities (“Redemption”) and the national government to assume funding of all state debt (“Assumption”) The political stalemate in Congress that ensued led to the Compromise of 1790, locating the permanent US capitol on the Potomac River (""Residency”).The Federalist's success in winning approval for Hamilton’s reforms led to the emergence of an opposition party – the Democratic-Republicans and set the stage for political struggles that would persist for decades in American politics.