News tagged with loans
Auditor's report needs significant changes
Every year public companies release a financial statement that includes a report from an auditor. That report provides assurance about the quality of the financial information and is meant to help the company attract investors, ...
Other Sciences / Economics & Business
Jan 31, 2012 |
not rated yet |
0
New success model for microfinance: A matter of trust
In some countries, poor borrowers repay loans to microcredit lenders at rates of close to 100 percent while other countries see repayment rates so low that it makes microlending unsustainable - a disparity ...
Other Sciences / Economics & Business
Dec 22, 2011 |
not rated yet |
0
First Solar CEO to step down, shares plummet
(AP) -- The CEO of the nation's largest solar company is out, First Solar announced Tuesday, sending its shares tumbling more than 24 percent.
Technology / Energy & Green Tech
Oct 25, 2011 |
not rated yet |
4
Bailed-out banks issued riskier loans
Banks that received federal bailout money ended up approving riskier loans and shifting capital toward risky investments after getting government help, say University of Michigan researchers.
Other Sciences / Economics & Business
Sep 15, 2011 |
5 / 5 (1) |
3
Beauty impacts hiring, salaries and profits, economist finds
The best looking people earn an extra $250,000, on average, during their careers than the least attractive people and are more likely to remain employed, get promoted and even secure loans, according to a new book by University ...
Other Sciences / Social Sciences
Aug 17, 2011 |
5 / 5 (1) |
0
Solar loan guarantees announced
(AP) -- The Department of Energy has announced nearly $4.5 billion in conditional commitments for loan guarantees for three California solar projects, the agency said.
Technology / Energy & Green Tech
Jun 30, 2011 |
5 / 5 (1) |
0
Public firms weathered recession better than expected
(PhysOrg.com) -- The prevailing narrative of the financial crisis revolves around banks' reduced ability to issue loans, but a new paper by University of Arizona associate professor of finance Kathy Kahle reveals that the ...
Other Sciences / Economics & Business
Jun 20, 2011 |
not rated yet |
0
The downside -- and surprising upside - of microcredit
Microcredit, which involves giving small loans to very small businesses in an effort to promote entrepreneurship, has been widely touted as a way to reduce poverty and stimulate economic growth. A multitude of both non- and ...
Other Sciences / Economics & Business
Jun 09, 2011 |
2.5 / 5 (4) |
1
|
A good story can trump a bad credit score in peer-to-peer lending
These days a bad credit score will get you turned away by a bank, but if you tell a good story about that score, you can improve your chances of getting a microloan from a peer-to-peer lender, according to new research from ...
Other Sciences / Social Sciences
May 16, 2011 |
not rated yet |
0
|
Lack of credit forces many small business owners to finance with personal assets
Small businesses are seen as an important part of the American economy. These businesses often rely heavily on loans to stay afloat. The recent economic recession has created a reduction in available credit for many small ...
Other Sciences / Economics & Business
Mar 01, 2011 |
not rated yet |
0
New mortgage design would minimize home foreclosures
With mortgage loan defaults on the rise yet again, two mortgage researchers are proposing a new type of mortgage contract that automatically resets the balance and the monthly payment based on the mortgaged home's market ...
Other Sciences / Economics & Business
Jan 19, 2011 |
4.3 / 5 (3) |
22
IMF loan policies ‘hampering aid efforts’
A study has tested whether aid to tackle disease and improve healthcare actually translates into a better health system for the countries that receive it.
Jan 18, 2011 |
not rated yet |
1
Some banks help keep mortgage holders out of default, studies find
While the nation's foreclosure crisis has focused blame on bad loan practices by some lenders, new research shows how some banks may have actually reduced the default risk of their homebuyers.
Other Sciences / Economics & Business
Jan 03, 2011 |
5 / 5 (2) |
1
Most mortgage meltdowns not caused by subprimes
Subprime mortgages were not the main reason behind the housing crisis that started in 2009 and continues to bedevil the faltering U.S. economy, according to a University of Michigan study.
Other Sciences / Economics & Business
Oct 22, 2010 |
5 / 5 (2) |
1
Bank relationships matter
In the current economic climate, many small businesses face difficulties when applying for loans. However, the process may vary depending on the business' previous relationships with financial institutions. In a recent study, ...
Other Sciences / Economics & Business
May 18, 2010 |
not rated yet |
0
Loan
A loan is a type of debt. Like all debt instruments, a loan entails the redistribution of financial assets over time, between the lender and the borrower.
In a loan, the borrower initially receives or borrows an amount of money, called the principal, from the lender, and is obligated to pay back or repay an equal amount of money to the lender at a later time. Typically, the money is paid back in regular installments, or partial repayments; in an annuity, each installment is the same amount.
The loan is generally provided at a cost, referred to as interest on the debt, which provides an incentive for the lender to engage in the loan. In a legal loan, each of these obligations and restrictions is enforced by contract, which can also place the borrower under additional restrictions known as loan covenants. Although this article focuses on monetary loans, in practice any material object might be lent.
Acting as a provider of loans is one of the principal tasks for financial institutions. For other institutions, issuing of debt contracts such as bonds is a typical source of funding.
For more information about Loan, read the full article at
Wikipedia.
This text uses material from Wikipedia and is available under the GNU Free Documentation License.
