Loan Repayment Research Articles

Efektivitas Pemberian Dana Usaha Terhadap Pemberdayaan Ekonomi Perempuan (Studi Kasus Koperasi Wanita Mayangsari 38b Banjarrejo)

One of the activities to encourage women's empowerment in the economic sector is the provision of business financing through non-bank financial institutions such as banks and cooperatives. Working capital loans are goods (money) or services used to run a business that must be repaid within a certain period of time based on a contract between the borrower and the lender. This study explores how business financing from non-bank institutions, like the Mayangsari Women's Cooperative, empowers women in the economic sector. The type of research used is field research. Field research is research carried out in the field or at the research site, namely the Mayangsari 38B Banjarejo Women's Cooperative. Borrowers met key criteria, including generating income and developing their businesses. The success lies in adhering to empowerment principles. Members understand the loan purpose and strive for effectiveness metrics. The program aims to start or grow businesses, ensure good loan repayment, offer income opportunities, and foster independent business ownership. This is evident in members acquiring new skills and some even starting new businesses without further loans, proving the program's sustainability. This case study showcases the potential of business loans to empower women, not only financially but also by fostering independence and entrepreneurial spirit. By adhering to sound principles, such programs can contribute significantly to women's economic development and overall well-being.

Is It Necessary to Include Promise in a Deed of Granting of Mortgage Rights?

To secure the funds that have been granted to the debtor, in loan agreement between creditor and debtor, a guarantee agreement is usually included. One form of collaterals that is most in demand is land collateral. This research aims to analyze funds security that has been handed over to debtors in connection with loan agreement and promises (clauses) inclusion in a Deed of Granting of Mortgage Rights. This normative research uses statutory, conceptual and interpretive approaches. This study examines several deeds to search and analyze the promises (clauses) in the guarantee agreement. The result shows that the loan agreement includes a promise to provide collateral that will be attached with mortgage rights, to secure the credit that has been given to the debtor as security for repayment of credit loan. Therefore, the loan agreement contains rights and obligations of parties as a form of prudential principles. Furthermore, a Deed of granting of mortgage rights considerably needs to include promises (clauses) as a manifestation of conditions related to the guarantee provided. In its regulation (Mortgage Rights Law), these promises are optional (not mandatory) being included in a Deed of granting of mortgage rights. However, in practice these promises are always included in a deed at the creditor’s request, with the aim being a kind of self-protection to creditor. However, Mortgage Rights Law also provides a balance of protection to debtors, namely promises that are prohibited from being included that creditors can immediately own the object of mortgage rights when the debtor defaults. If such promise is included, then the Deed of Granting of Mortgage Rights is null and void.

Comparative Machine Learning Models for Predicting Loan Fructification in a Semi-Urban Area

The current research proposes a reliable and robust machine learning (ML) model which outperforms among six other models in predicting loan fructification obtained by entrepreneurs in a semi-urban area. The proposed model predicts if an entrepreneur can make grow a loan from a microfinance firm, a bank, a financial company, or an individual. The proposed model uses primary data collected from entrepreneurs residing in Butembo, a semi-urban town located in eastern of the democratic republic of Congo as dataset. This study uses a dataset that contains 5868 records. Seven ML model performances are compared in the loan fructification prediction: support vector machine, random forest, extra-trees, decision tree, naïve bayes, k-nearest neighbors, and logistic regression. Support vector machine reveals to be the best model for predicting loan fructification using features such as age, years of working experience of the entrepreneur, entrepreneur loan repayment conviction, used mean by the lender to recover its loan, entrepreneur opinion on the disadvantage of taking out a loan, capacity of the entrepreneur to invest after obtaining loan, entrepreneur position on the possibility of launching a business without a loan, entrepreneur willingness to apply again for loan in the future, success project after obtaining loan. The study uses accuracy, recall, precision, and f-score as metrics to assess the developed models. The four metrics for support vector machine scored 95%, 95%, 83%, and 83%, respectively. The proposed model confirms the robustness of support vector machine in predicting loan fructification.

A financial maturity model for the empowerment of women’s saving groups

Women's microfinance groups are increasingly recognized as a space for empowerment, access to financial and social capital, and personal growth. However, few studies have attempted to evaluate these groups' performance, as evidenced by the lack of adequate instruments to measure their success. This study proposes and tests a financial maturity model (FMM) for assessing and monitoring women's groups' performance and supporting effective intervention design. The proposed FMM was conceived based on applicable theoretical and operational frameworks for women's groups. Three groups of grassroots stakeholders validated and ranked the FMM constructs in terms of their importance. A sample of 31 Self-Help Groups in rural India was utilized to test the applicability of the FMM. One of the most important findings relates to the necessity of enhancing the loan management capabilities of groups, including loan repayment, identification of defaulters, delinquency ratio, risk management, and financial reporting. These results can provide stakeholders with baseline measures for designing and implementing interventions to improve the performance and sustainability of women's groups, as well as testing the efficacy of these interventions. While FMM was developed in the Indian context with 7 million registered groups, it has the potential to be adapted in other international contexts to inform decision-making in low- and middle-income countries where women's economic groups are promoted for socioeconomic empowerment and poverty reduction.

Business Intelligence Data-driven Assistant (BIDDA) for MSMEs using Setup Predictive Performance Model

The Department of Science and Technology (DOST) is offering soft loan service under the Small Enterprise Technology Upgrading Program (SETUP), to assist Micro Small and Medium Enterprises (MSME) to avail useful technologies and machineries in order to improve their operations. Low rate of repayments affects the agency’s operations and the government. This paper aimed to create a predictive system analysis to foresee the success of loan repayment in the agency, particularly in SETUP Program. MSMEs may enroll in this program through project proposal, indicating the marketing aspect; technological aspect; and financial aspect of the firm. The DOST evaluates the firm’s positivity and its repayment capability through the abovementioned three aspects. BIDDA aims to determine the significant attributes in the development of data sets of SETUP adopter selection criteria in terms of: a. demographic profile; b. pre-performance business profile; and c. post-performance business profile after S&T intervention. There are also three foundations on the predictive computation for success rate: The Financial which covers the 50%; the Sector which covers the 30%; and the Location which covers the 20% of the total 100% of the success rate. This also helps the MSMEs to determine not only in terms of SETUP program success rate but also in their business success rate. We used Multi-Criteria Decision-Making (MCDM) machine learning model for the predictive analysis in the BIDDA application.

Loan Recovery in Maimana Islamic Investment and Finance Cooperative Microfinance Institution

MIIFC is one of the financial institutions operating in financial sector in Faryab province of Afghanistan. One of the most important problems of financial institutions is the recovery of the loans from the borrowers. The purpose of this study is to find the determinants of loan recovery in MIIFC micro finance institution. The statistical population of this research is the borrowers of MIIFC micro finance institution, the sample size is 300 and the stratified random sampling technique was employed. The study used both descriptive and inferential statistic, the quantitative method has been analysed by descriptive statistic with statistical package SPSS (24) and empirical analysis is conducted by using binary logistic regression model to stablish of all explanatory variables. The results show that from these variables, only economic and political situation, number of loans taken, penalty of delay, gender and debt guarantee have a significant relationship with loan repayment. The marital status, education level, age, monthly expenditure, loan utilization, literacy, income-increasing debt, relative location, type of loan, group loan, amount of repayment, repayment period, interest rate on the loan, number of families, loan utilization training and pre-loan purpose have no relationship with loan recovery.

What are the determinants of the financial and social performance of MFIs in Togo? Does gender borrower matter on financial performance?

Using the panel generalized method of moments, we scrutinize the key factors of financial and social performance of Microfinance institutions (MFIs) in Togo. We report that a higher increase in equity leads to MFIs' financial sustainability while an increase in debt leads to unsustainability. Furthermore, the increase in staff expenditure and operational efficiency decreases financial performance. Interestingly, in the context of Togo, the percentage of male borrowers contributes more strongly to the profitability and sustainability of MFIs than female borrowers. However, in terms of loan repayment, female borrowers contribute more to the sustainability of MFIs than male borrowers

Financial inclusion of urban agro-processors: effect of credit on poverty status of roasted plantain vendors in Calabar, Nigeria

This study analysed the effect of credit on the poverty status of roasted plantain vendors in Calabar, Nigeria. The study described sources of credit, comparing the poverty status of credit recipients versus non-recipients, and the relationship between credit access and poverty index alongside the relationship between socioeconomic factors and poverty index. Data was collected from 110 randomly sampled roasted plantain vendors with the use of structured questionnaire. Poverty was measured with the Foster, Greer and Thorbecke (FGT) model class of weighted poverty measures. Descriptive statistics were used to examine poverty status, access to credit and the sociodemographic attributes of the roasted plantain vendors. Next, using descriptive statistics, the poverty status of the vendors who accessed credit was compared to those who did not access credit. Finally, the association between access to credit and poverty index was analyzed with logistic regression model while adjusting for the effects of sociodemographic factors. Descriptive statistics showed that 60% of the vendors were female, the average age was 35 years, and the average household size was four persons. Precisely, 91% of the roasted plantain vendors had completed primary or higher education. Exactly, 64.5% received credit, while 30.79% reported non-institutional lenders as sources of credit. The mean monthly income was N48,036.36 (US$116.89). Poverty incidence was lower among credit recipients (0.268) compared to non-recipients (0.487). Credit access (OR = .083, p<.01) and household (OR=2.496, p<.01) had statistically significant associations with the poverty index. Policies promoting structural transformation are recommended for sustainable financial inclusion. An effective economic growth and development program, for example, will increase productive capacities and reduce capital losses, increase creditworthiness, motivate capital expansion and sustainable growth. Also, it was recommended that cooperative formation among the vendors is required. Membership of such a cooperative will increase credit access through reduced transaction cost, higher group’s creditworthiness/borrowing experience and stronger negotiation capacity. A Nigerian economic transformation program to promote increased productive capacities and reduced capital losses is necessary for any financial inclusion policies to sustainably alleviate poverty among deprived agro-processors such as the roasted plantain vendors. Such programs will include financial literacy including banking and loan repayments, business innovations, and business plan development. Key words: Credit, Financial inclusion, Micro-agro-processors, Plantain roasting, Poverty, Urban agriculture

Financial inclusion of urban agro-processors: effect of credit on poverty status of roasted plantain vendors in Calabar, Nigeria

This study analysed the effect of credit on the poverty status of roasted plantain vendors in Calabar, Nigeria. The study described sources of credit, comparing the poverty status of credit recipients versus non-recipients, and the relationship between credit access and poverty index alongside the relationship between socioeconomic factors and poverty index. Data was collected from 110 randomly sampled roasted plantain vendors with the use of structured questionnaire. Poverty was measured with the Foster, Greer and Thorbecke (FGT) model class of weighted poverty measures. Descriptive statistics were used to examine poverty status, access to credit and the sociodemographic attributes of the roasted plantain vendors. Next, using descriptive statistics, the poverty status of the vendors who accessed credit was compared to those who did not access credit. Finally, the association between access to credit and poverty index was analyzed with logistic regression model while adjusting for the effects of sociodemographic factors. Descriptive statistics showed that 60% of the vendors were female, the average age was 35 years, and the average household size was four persons. Precisely, 91% of the roasted plantain vendors had completed primary or higher education. Exactly, 64.5% received credit, while 30.79% reported non-institutional lenders as sources of credit. The mean monthly income was N48,036.36 (US$116.89). Poverty incidence was lower among credit recipients (0.268) compared to non-recipients (0.487). Credit access (OR = .083, p<.01) and household (OR=2.496, p<.01) had statistically significant associations with the poverty index. Policies promoting structural transformation are recommended for sustainable financial inclusion. An effective economic growth and development program, for example, will increase productive capacities and reduce capital losses, increase creditworthiness, motivate capital expansion and sustainable growth. Also, it was recommended that cooperative formation among the vendors is required. Membership of such a cooperative will increase credit access through reduced transaction cost, higher group’s creditworthiness/borrowing experience and stronger negotiation capacity. A Nigerian economic transformation program to promote increased productive capacities and reduced capital losses is necessary for any financial inclusion policies to sustainably alleviate poverty among deprived agro-processors such as the roasted plantain vendors. Such programs will include financial literacy including banking and loan repayments, business innovations, and business plan development. Key words: Credit, Financial inclusion, Micro-agro-processors, Plantain roasting, Poverty, Urban agriculture

Does multiple borrowing and COVID-19 pandemic matter in a microfinance contract?

PurposeTo improve the loan repayment performance (LRP) of microfinance banks (MFBs) in Pakistan, this study aims to look at the direct impact of multiple borrowing (MB) on LRP and client-business performance (CBP), as well as the direct impact of CBP on LRP. The moderating function of pandemic factors in the relationship between MB and CBP, as well as the mediating effect of CBP in the association between MB and LRP, was also investigated in this study.Design/methodology/approachA questionnaire was used to obtain data from 531 lower-level workers of microfinance institutions (MFIs) for the study. The respondents were chosen using stratified sampling, which divided the target population into four influential groups: lending officers in agriculture, lending officers in businesses, lending officers in gold loans and lending officers in salary loans. In this study, a two-stage structural equation modeling approach was used, including a measurement model (outer model) and a structural model (inner model). The validity and reliability of the questionnaire were investigated using the measurement model (outer model), whereas PLS-SEM bootstrapping was performed to test the hypothesis and find the relationship among different underpinning constructs by using the structural model (inner model).FindingsThe outcomes of this study demonstrate that MB has a direct impact on CBP, and that CBP has a direct impact on LRP. MB, on the contrary, had no direct and significant impact on LRP in this study. The idea that CBP mediates the relationship between MB and LRP, as well as the moderating effect of pandemic factors on the relationship between MB and CBP, is supported by this research.Originality/valueUntil now, the influence of MB on LRP via the mediating role of CBP and the moderating role of a pandemic factor in the setting of Pakistani MFBs has received little attention. During the COVID-19 pandemic, this research also aids MFBs in better understanding MB and its impact on LRP. Furthermore, based on the findings of this study, Pakistani MFIs can enhance their LRP by implementing new lending regulations, particularly with reference to MB and the COVID-19 pandemic.

Bank Credit and Loan Repayment Rates During Covid-19 In Kabale District: A Case of Lyamujungu Sacco

The objective of the study was to investigate the impact of bank credit on loan repayment rates in the Kabale region using Lyamujungu SACCO as the case study. Loan repayment performance at Lyamujungu SACCO has rapidly declined. The loan manager said the situation was getting worse and there was almost no ability to repay the loan. This has to do with the borrower's personality, solvency, and credit history. Members will flee from SACCO if the situation persists. The objectives of the study are:To establish the effect of borrower characteristics on loan repayment during COVID-19 in Lyamujungu SACCO, Examine the impact of borrower's loan solvency on repayment during the COVID-19 pandemic in Lyamujungu SACCO and Determining the effect of borrower's credit term on repayment during the COVID-19 pandemic at Lyamujungu SACCO. This study used a cross-sectional survey method to examine, characterize and compare bank credit and loan repayment in Kabale district, using Lyamujungu SACCO as the case study. The sample size for each subject type was determined using the table of Krejcie and Morgan (1970) cited in Amin (2005). Out of 150 samples, a sample of 108 people was selected for the study. The researcher used both purported sampling and simple random sampling to select members/clients of SACCO. The simple stochastic method is suitable for large numbers like SACCO customers. Based on the results in the table, the null hypothesis for all three variables is rejected, with a significance level of (p = <.000, p = <.040, and p = <.001) for " The average score of the borrower's character during the repayment period", "The average score of the borrower's capacity during the repayment period" and "The average score of the borrower's credit periods during the repayment period debt" respectively. This means that there is evidence that the distribution of mean scores for each of the three variables is not the same depending on the borrower's ability to repay. The study concluded that labor productivity growth decreased and therefore income decreased, investment decreased and affected the borrower's ability to repay loans during the covid-19 pandemic in lyamujungu SACCO. The study recommends that SACCOs conduct a pre-customer assessment before granting a loan and an ongoing review process before and during loan repayment. This way, the bank will be able to know the exact trajectory of the borrower's performance in terms of repayment. This should be reinforced by effective customer relationship management, where the bank acts as more than just a source of credit

Financing Supplier Through Retailer’s Credit

This study examines two retailer-initiated pre-shipment financing programs to assist capital-constrained suppliers in securing external funds for production. The first program is retailer-sponsored financing (RSF), an emerging practice in developing economies. Under RSF, the retailer commits to sharing the loan repayment obligation with the supplier by agreeing to pay up to a specific portion of the supplier’s bank loan repayment. The second program is advance payment (AP), a common payment arrangement wherein the retailer pays a part of the wholesale amount upfront to support the supplier’s production costs. We analyze a supply chain comprising a supplier and retailer. The retailer must choose between offering RSF, AP, or neither. Without RSF or AP, the supplier must opt for bank-direct financing when it is short of funds and bear the full responsibility of repaying the loan principal and interest. Our findings reveal a divergence in supplier and retailer preferences. Specifically, the supplier favors RSF as it not only lowers the marginal production cost but also permits the supplier to charge a higher risk premium to the retailer compared to AP. Conversely, the retailer prefers AP primarily due to the latter reason. Our research underscores the significance of RSF as a distinct financing alternative, enabling retailers to aid a supplier segment that cannot rely solely on AP. RSF also proves to be advantageous for banks by expanding their supplier clientele and boosting their lending volume. Interestingly, the supplier’s and retailer’s bankruptcy risks tend to have opposite impacts on the value of RSF.

EVALUATION OF THE SMALL FARMERS FUND IN THE AGRICULTURAL INITIATIVE IN IRAQ THROUGH THE COLLECTION EFFICIENCY OF LOANS FOR THE PERIOD 2009 – 2018

To evaluate and analyze the small farmers fund, one of the funds financed by the allocation of the Supreme Committee for the Agricultural Initiative, this fund finance the unconditioned plastic houses, beekeeping, field crops, winter and summer vegetable crops, protected tomato houses, olive trees services, planting of green silage by fixed sprinkler irrigation and to construct consulting offices. As the total number of loans granted to this fund reached nearly 481 billion dinars in all governorates, amounting to 38991 beneficiaries, constituting about 23% of the total loans disbursed during the study period, Baghdad governorate has 68.6 billion of total amounts of that fund and that consist 16.6% of it, then Anbar came in the second rank by 14.7% then Wasit came in the third rank by 12%, while Kirkuk came in the last. The study reached an analysis of the achievement ratios of the small farmers fund for the period 2009-2018 for all governorates, the provinces of Baghdad and Basra were highest share of this fund for the year 2009, while the lowest share for these year were for Mysan and Kirkuk. In 2010, Anbar has the highest share while Kirkuk was the lowest. In 2011-2012, the governorate of Baghdad ranked first, and the lowest were for Kirkuk governorate, in 2013, Anbar came to the first, the lowest was Kirkuk governorate, then Wasit governorate returned to first place with collection rates for 2014 and in 2015 Najaf was the first and for 2016 and 2017, the governorate of Baghdad came first. There is a clear decrease in the rates of late loan repayment in this fund because these loans are closely related to the guarantees that document the loans. Most of the guarantees of these loans are the bill only, whereby the amount of withdrawals loans of all kinds is proportional to the amount of the guarantee on the bill of exchange 40 million dinars. The study recommended the necessity of conducting a field survey of all the purposes that the small farmers fund.

Determinants of Repayment for Youth Development Fund Loans in Tanzania

The study intended to identify factors influencing youth group loan repayment for the Youth Development Fund (YDF) in Tanzania. This study utilizes cross-sectional primary data from structured questionnaires and interviews with 388 individuals in the Butiama District of the Mara Region. The analysis involved descriptive statistics and econometric estimation using the ordinal logistic regression model. As per descriptive analysis results, this study provides a comprehensive analysis of socio-economic and institutional factors distinguishing loan defaulters from non-defaulters among youth participants in Tanzania's loan programs. Significant variations, supported by p < 0.05, highlight that non-defaulters possess more leadership experience, exhibit superior business performance, undergo increased training, and are in closer proximity to lending institutions. The study reveals noteworthy differences in demographic factors such as marital status, education, belief in societal employment, and types of financed projects between the two groups. Misappropriation of funds, peer pressure, and economic shocks are identified as key contributors to loan defaults, emphasizing the need for targeted interventions and vigilant monitoring for enhanced loan repayment and project success. Moreover, the econometric estimation using the ordinal logistic regression model, with statistical significance at a 5% level, demonstrates that independent factors account for 85.5% of the variation in loan repayment performance among youth groups. The study encounters societal views favoring employment over entrepreneurship, revealing a negative impact on youth loan repayment. Factors like loan diversion, peer pressure, group size, and entrepreneurship training emerge as significant determinants of loan repayment performance, providing valuable insights. In conclusion, the study underscores the critical importance of tailored interventions for addressing challenges faced by youth borrowers. Misappropriation of funds, peer pressure, and economic shocks require nuanced mitigation strategies. Policy recommendations encompass refining loan structures, enhancing training programs, and challenging societal norms favoring employment over entrepreneurship. Tailored interventions with strengthened monitoring, addressing socio-cultural attitudes, and internal control reinforcement are suggested for sustained success in youth-focused financial initiatives through continuous research and policy adaptation.

Impact of U.S. Federal Loan Repayment Programs on the Behavioral Health Workforce: Scoping Review.

Federal loan repayment programs (LRPs) are one strategy to address the shortage of behavioral health providers. This scoping review aimed to identify and characterize the federal LRPs' impact on the U.S. behavioral health workforce. A scoping review was conducted in accordance with JBI (formerly known as the Joanna Briggs Institute) methodology for scoping reviews. The authors searched the Ovid MEDLINE, Web of Science, APA PsycInfo, EconLit, PAIS Index, and Embase databases, and gray literature was also reviewed. Two coders screened each article's abstract and full text and extracted study data. Findings were narratively synthesized and conceptually organized. The full-text screening identified 17 articles that met eligibility criteria. Of these, eight were peer-reviewed studies, and all but one evaluated the National Health Service Corps (NHSC) LRP. Findings were conceptually organized into five categories: descriptive studies of NHSC behavioral health needs and the NHSC workforce (k=4); providers' perceptions of, and experiences with, the NHSC (k=2); associations between NHSC funding and the number of NHSC behavioral health providers (k=4); NHSC behavioral health workforce productivity and capacity (k=3); and federal LRP recruitment and retention (k=4). The literature on federal LRPs and their impact on the behavioral health workforce is relatively limited. Although federal LRPs are an important and effective tool to address the behavioral health workforce shortage, additional federal policy strategies are needed to attract and retain behavioral health providers and to diversify the behavioral health workforce.

Infrastructural Development and Neo-Colonialism in Africa: The Case of the Standard Gauge Railway in Kenya

Abstract The paper argues that funding and development of mega projects in Africa is the new way through which neo-colonialism is manifesting itself. Development partners are increasingly using infrastructural development aid as the means to continue exploiting and dominating Africa’s political economy. Using the Chinese funded Standard Gauge Railway in Kenya as a case study, the paper confirms that to some extent infrastructural development projects are replicating colonial structures. The role of foreign funding, multinational corporations, and co-option of elites provides neo-colonial anxieties. However, through sensitivity to Africa’s mounting external debt, and its policy on shared prosperity, China demonstrates that not all its activities on the continent have neo-colonial characteristics. It renegotiates loan repayment, converts loans to grants, and withholds loans to assessed recipient’s abilities to repay. The concept of neo-colonialism provides a framework through which to analyze externally funded development projects in Africa. The study analyzed secondary sources of data.

Education Planning “Need to Knows” for Military Families

This publication discusses general information about education costs, savings plans, and payment methods, military-specific educational benefit programs, military-specific laws and policies affecting student loan repayment, five education planning tips for military families, and education planning resources. Written by Barbara O’Neill, Martie Gillen, and Kristen Jowers, and published by the UF/IFAS Department of Family, Youth and Community Sciences, January 2024.

Preparing behavioral health clinicians for success and retention in rural safety net practices.

This study assesses how, among behavioral health clinicians working in rural safety net practices, the amount of exposure to care in rural underserved communities received during training relates to confidence in skills important in their work settings, successes in jobs and communities, and anticipated retention. This study uses survey data from Licensed Clinical Social Workers, Licensed Professional Counselors, and Psychologists working in rural safety net practices in 21 states while receiving educational loan repayment support from the National Health Service Corps, from 2015 to April 2022. Of the 778 survey respondents working in rural counties, 486 (62.5%) reported they had formal education experiences with medically underserved populations during their professional training, for a median of 47 weeks. In analyses adjusting for potential confounders, the estimated amount of rural training exposure was positively associated with a variety of indicators of clinicians' integration and fit with their communities as well as with longer anticipated retention within their rural safety net practices. The amount of training in care for rural underserved populations was not associated with clinicians' confidence levels in various professional skills or successes in their work, including connection with patients and work satisfaction. Formal training in care for underserved populations is a large part of the education of behavioral health clinicians who later work in rural safety net practices. More training in rural underserved care for these clinicians is associated with greater integration and fit in their communities and longer anticipated retention in their practices, but not with skills confidence or practice outcomes.

Analisis Pemberian Kredit Pada PT. Bank Sumut Pematangsiantar

In granting credit, banks must pay attention to the principles of sound credit, including the risks that must be faced on loan repayments by customers/debtors. In a credit application, the PT. Bank Sumut Pematangsiantar Branch conducts an analysis first related to the precautionary principle, after the bank believes and trusts the customer's ability to return the borrowed funds then the credit can be disbursed. This research is a qualitative research. This research was conducted at PT. Bank Sumut Pematangsiantar Branch. This study uses the interview method. Interviews were conducted with the Head of Credit, Credit Analysis, Customer Service, and Customers of Bank Sumut Pematangsiantar Branch. Data collection techniques were obtained by conducting interviews and observation methods. The results of this study indicate that the evaluation of the provision of credit is appropriate and in accordance with the existing theoretical studies, and the procedure for granting credit is in accordance with the procedures applied to PT. Bank Sumut Pematangsiantar Branch.

Federal Student Loan Debt in Public Health and the Opportunities for Loan Repayment Programs.

A need persists for graduates with public health training in government public health roles; however, earnings for these positions tend to be lower when compared with earnings for people with undergraduate or graduate training who are working in other sectors, such as private health care or pharmaceuticals. This study assessed federal student loan debt associated with education for public health, with an aim to quantify the need that may be met through the federal Public Health Workforce Loan Repayment Program (PHWLRP), which is one tool that policy makers have proposed to incentivize people with public health training to pursue employment in government public health. We analyzed federal student loan data provided by the National Center for Education Statistics College Scorecard for the 2018-2019 academic year. We merged these data with the Integrated Postsecondary Education Data System to estimate the number of degrees awarded. We used Spearman rank correlation to compare associations between debt and annual earnings by award level (bachelor's, master's, and doctoral degrees). Across all award levels, the median level of federal student loan debt associated with education for public health was $33 366. The median annual earnings 1 year after graduation were $80 687 for graduates with doctoral degrees and $33 279 for graduates with bachelor's degrees. As policy makers attempt to strengthen the public health workforce with a focus on funding and implementing the PHWLRP, the existing levels of student debt should be considered to ensure that programs such as the PHWLRP are funded and reflect the needs of graduates and government public health employers.