The main purpose of calculating your DTI ratio is risk assessment. Where your credit score tells lenders how you've managed loan payments in the past, your DTI tells lenders if you have enough money currently available to pay back a loan going forward. A lower DTI suggests you're more like...
The SCP hypothesis says that decreasing the deposit rate improves loan rates. Improving bank structure, such as market concentration, improve market power. Stiglitz and Weiss [43] show that higher interest rates on business loans may increase the riskiness of loans due to adverse selection and ...
The NDBI results produced a high value for bare soil; in contrast, NDBaI produced a high value for built-up. Generally, NDBI is more efficient in places where the NDVI value is greater than 0 [1]. Therefore, this method is not suitable for cities located in dry climates (Table 1). ...
However, applying CIPM into reality should take a reversed order in layers with some modification, which forms the Cultural Dual Pyramid Model (CDPM), as shown in Figure 6. As shown in the above empirical case study of Meibei village, the theoretical inverted pyramid model on the left side...
(Chatlmypaaggnaoinlas,t Btohloegpnala, nts for collectiIntaglyd) eutsaecdh iend thbel usteubdeyr srhieosw;n( bw)itThh sehosrht a(1k2i.n5‐gcmhe loandgs (oleffGt))o alniad ololnivge (2s3h‐camke lron(Cg a(rmighpta))g tninoelsa. ...
Collective artworks have proved to be particularly useful vectors to express opinions and reflect on common resources and identities (such as the meaning of environmental resources and territory), able to incite a sense of place and increase the motivation to care for them [11]. In addition, ...