Gender, credit, and firm outcomes.

Small and micro-enterprises are usually majority-owned by entrepreneurs. Using a unique sample of loan applications from such firms, we study the role of owners’ gender in bank credit decisions and post-credit-decision firm outcomes. We find that, ceteris paribus, female entrepreneurs are more prudent loan applicants than are males because they are less likely to apply for credit or to default after loan origination. The relatively more aggressive behavior of male applicants pays off, however, in terms of higher average firm performance after loan origination

Analisis penerimaan pajak bumi dan bangunan-P2 serta pengaruhnya terhadap pendapatan daerah Kabupaten/Kota di Provinsi Jambi

This study aims to analyze the determinants of PBB-P2 revenue, to determine the effect of PBB-P2 revenue on regional revenue and to formulate strategies for increasing PBB-P2 revenue in Jambi Province. The data used in this study is secondary data with the type of Time series 2014-2018 data and Cross Section 11 districts/cities that come from the Central Statistics Agency and Regency / City BPPRD. This study uses Panel Data Regression Analysis and uses Simple Linear Regression using the E-Views 8.0 tool. The results of this study indicate that PBB-P2 always increases every year. From the results of panel data regression analysis, the results show that investment, economic growth, and taxpayers together have a significant effect on PBB-P2 with an R square value of 0.924, the Prob value (F- statistic) 0,000 and the F-statistic value is 26,556. The effect of investment on PBB-P2 has a positive effect, which means that if investment increases, PBB-P2 will also experience an increase. Economic growth and taxpayers will have a negative effect on PBB-P2 which means that the increase in PBB-P2 will decrease the economic growth and taxpayers.This study aims to analyze the determinants of PBB-P2 revenue, to determine the effect of PBB-P2 revenue on regional revenue and to formulate strategies for increasing PBB-P2 revenue in Jambi Province. The data used in this study is secondary data with the type of Time series 2014-2018 data and Cross Section 11 districts/cities that come from the Central Statistics Agency and Regency / City BPPRD. This study uses Panel Data Regression Analysis and uses Simple Linear Regression using the E-Views 8.0 tool. The results of this study indicate that PBB-P2 always increases every year. From the results of panel data regression analysis, the results show that investment, economic growth, and taxpayers together have a significant effect on PBB-P2 with an R square value of 0.924, the Prob value (F- statistic) 0,000 and the F-statistic value is 26,556. The effect of investment on PBB-P2 has a positive effect, which means that if investment increases, PBB-P2 will also experience an increase. Economic growth and taxpayers will have a negative effect on PBB-P2 which means that the increase in PBB-P2 will decrease the economic growth and taxpayers

Exploring the nexus between banking sector reform and performance: Evidence from newly acceded EU countries

Exploring the nexus between banking sector reform and performance: Evidence from newly acceded EU countriesnexus, banking sector, banking sector, EU countries

Downstream development strategy of processing industry in Jambi Province

The food and beverage industry, the paper and paper goods industry, and the rubber industry, rubber and plastic goods are leading industries that play an important role in the regional economy of Jambi Province. Therefore, policies are needed to sustain leading industries' growth and development. This research aims to formulate a downstream strategy for the leading processing industry in Jambi province. The method used is the Analytical Network Process (ANP).  The analysis results show that the priority strategy in the downstream development of the three leading industries in Jambi Province is optimizing the government's role in policy and funding for the downstream program

"What's the Use of Having a Reputation If You Can't Ruin It Every Now and Then?" Regulatory Enforcement Actions on Banks and the Structure of Loan Syndicates

A decrease in the reputation of a loan syndicate's lead arranger, caused by a regulatory enforcement action for non-compliance with laws and regulations, disincentivizes potential syndicate participants from co-financing the loan. We formally argue that in such cases, the lead arranger must increase his share of the loan in order to make the loan sufficiently attractive to potential participants. We provide strong empirical evidence to support our theoretical argument, using the full sample of enforcement actions enacted on U.S. banks from 2000 through 2010 as well as syndicated loan-level data

Dampak Otonomi Fiskal, Pertumbuhan Ekonomi, dan Keterbukaan Daerah terhadap Ketimpangan Wilayah di Sumatera

The main research to identify the impact of fiscal autonomy,economic growth,openness access into inequality amongprovinces in Sumatera. For analyze the effect of the degree of fiscal autonomy, economic growth, and openness access to the inequality in Sumatera period2009-2013 withRandom Effect Method. The results explain fiscal autonomy are categorized low. Economic growthin Sumatera during the study period was also low. Openness access in Sumatera can be said is still not open to trade. Inequality in the Sumatera still quite high. The effect of fiscal autonomy to inequality is negative and significant. Economic growth to inequality is negative and significant, while the openness access is positive and not significant to inequality. Expected in Sumatera provincial governments to used maximum local revenue. Economic growth must observe and control the level of inequality. There should be a boost to the regions to be more active in trade traffic in Sumatera or National

Quantum vortices and trajectories in particle diffraction

We investigate the phenomenon of the diffraction of charged particles by thin material targets using the method of the de Broglie-Bohm quantum trajectories. The particle wave function can be modeled as a sum of two terms $\psi=\psi_{ingoing}+\psi_{outgoing}$. A thin separator exists between the domains of prevalence of the ingoing and outgoing wavefunction terms. The structure of the quantum-mechanical currents in the neighborhood of the separator implies the formation of an array of \emph{quantum vortices}. The flow structure around each vortex displays a characteristic pattern called `nodal point - X point complex'. The X point gives rise to stable and unstable manifolds. We find the scaling laws characterizing a nodal point-X point complex by a local perturbation theory around the nodal point. We then analyze the dynamical role of vortices in the emergence of the diffraction pattern. In particular, we demonstrate the abrupt deflections, along the direction of the unstable manifold, of the quantum trajectories approaching an X-point along its stable manifold. Theoretical results are compared to numerical simulations of quantum trajectories. We finally calculate the {\it times of flight} of particles following quantum trajectories from the source to detectors placed at various scattering angles $\theta$, and thereby propose an experimental test of the de Broglie - Bohm formalism.Comment: 17 pages, 7 figures, accepted by IJB