NEGATIVE INFLUENCE OF MORTGAGE LOANS ON THE DEMOGRAPHIC SITUATION IN RUSSIA

2021 ◽  
Author(s):  
A.V. Velegurov ◽  
◽  
V.S. Istomin ◽  
Keyword(s):  
Birth Rate ◽  
Negative Influence ◽  
Mortgage Lending ◽  
Mortgage Loans ◽  
Demographic Situation ◽  
The Impact

The article examines the problem of fertility in Russia, the impact of mortgage lending on it, as well as methods of influence to stabilize the birth rate

scholarly journals MORTGAGE LENDING AS A WAY TO INCREASE HOUSING AFFORDABILITY IN RUSSIA

2021 ◽  
pp. 68-71
Author(s):  
T.A. Ivanova
Keyword(s):  
Housing Prices ◽  
Mortgage Lending ◽  
Housing Affordability ◽  
Mortgage Loans ◽  
Regional Context ◽  
Slowing Down ◽  
Housing Security ◽  
Investment Demand ◽  
The Interest Rate ◽  
The Impact

This article discusses the issue of bringing the indicator «Housing Affordability Ratio» to an indicator that would reflect the number of years required to buy a home. A statistical analysis is carried out on the modifications of the indicator «Housing affordability coefficient», on the demand for mortgage loans in the regional context. The analysis of the demand for mortgage loans, as well as the level of housing security of the population in the regional context, is carried out. The relationship between the mortgage rate and the level of housing prices is analyzed. An assessment of the impact of the policy to reduce the interest rate on mortgage loans on the level of housing prices is given. The following problems of housing security in the Russian Federation are identified: regional disparities in housing security, the growth of investment demand for housing in the context of macroeconomic instability as a factor of slowing down the growth of housing security, threats to the implementation of targeted measures to support the provision of housing for the population. Possible ways to increase housing affordability are analyzed.

scholarly journals Potential and limitations of post-crisis recovery of Ukrainian mortgage market

2013 ◽  
Vol 2013 (2) ◽  
pp. 127-139
Author(s):  
Yevhen Bublyk
Keyword(s):  
Economic Crisis ◽  
Structural Characteristics ◽  
Mortgage Lending ◽  
Institutional Structure ◽  
Mortgage Market ◽  
Government Programs ◽  
Mortgage Loans ◽  
Crisis Recovery ◽  
Support Housing ◽  
The Impact

The article analyzes the structural characteristics of the mortgage lending market caused by the impact of financial and economic crisis. The evaluation of government programs to support housing mortgage loans is conducted,conclusions and recommendations are made on future actions for the resumption of bank mortgage lending through improving institutional structure, legal support and government programs.

scholarly journals Effect of Economic and Demographic Factors on the Demand for Higher Education Services

2021 ◽  
Vol 2020 (4) ◽  
pp. 534-542
Author(s):  
Tatyana Dorofeeva
Keyword(s):  
Higher Education ◽  
Birth Rate ◽  
Demographic Factors ◽  
Economic Factors ◽  
Financial Barriers ◽  
Demographic Situation ◽  
Education Services ◽  
Cost Of Education ◽  
Average Annual Cost ◽  
The Impact

The demographic situation has recently become one of the most important issues in modern Russia, which also affected the market of higher education service. The research objective was to analyze the demographic profile of Russia and the Kemerovo region. The author identified the impact of demographic and economic factors on the demand for higher education. A correlation analysis made it possible to select proper indicators in order to assess the impact of demographic and economic factors on the contingent of university students. The demographic factors included birth rate and the number of population aged 15–19. The economic factors were the average annual nominal salary and the average annual cost of education. The research revealed a positive correlation between the number of births, the amount of population aged 15–19, and the number of students in higher education institutions. Comparative and relative analyses made it possible to assess the paying capacity of population in the sphere of chargeable educational services, which showed an increase in the burden on the household budget and an increase in financial barriers to higher education. The research contributes to the development of the regional economy as it helps to predict the population's demand for higher education services.

Does tourism affect house prices in Turkey? Evidence from smooth structural break tests

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Mustafa Ozan Yıldırım ◽  
Cagin Karul
Keyword(s):  
Structural Breaks ◽  
Structural Changes ◽  
House Prices ◽  
Structural Break ◽  
Negative Influence ◽  
Mortgage Lending ◽  
Content Type ◽  
Substantial Role ◽  
Causality Tests ◽  
The Impact

Purpose The purpose of this study is to examine the impact of tourism activities on house prices in Turkey from January 2010 to March 2020. Design/methodology/approach It is used newly developed cointegration and causality tests based on Fourier approximation. These methods consider smooth structural breaks and do not need to recognize a priori date number and/or form of breaks. Findings Empirical findings show that international tourism activities have a substantial role in the escalation of house prices in Turkey. Findings also indicate a rise in industrial production enhances house prices while the mortgage lending rate exhibits a negative influence on house prices. Additionally, the evidence from Fourier causality tests reveals the unilateral causal linkage from tourism to house prices. This situation also shows that the tourism sector has a substantial role in stabilizing house prices’ rapid rise as a policy implication. Originality/value Although a large number of papers have been analyzing the link between house prices and macroeconomic variables, this study eliminates the lack of papers examining the link between tourism and house prices in Turkey by using the new cointegration and causality methods that consider smooth structural changes.

scholarly journals Mortgage lending as a mechanism to stimulate investment demand in the context of digitalization

2021 ◽  
Vol 128 ◽  
pp. 01011
Author(s):  
Tatiana Kolmykova ◽  
Elvira Sitnikova ◽  
Petr Kovalev ◽  
Elena Astapenko
Keyword(s):  
Negative Impact ◽  
Human Life ◽  
Mortgage Lending ◽  
Mortgage Loans ◽  
Difficult Situation ◽  
Investment Demand ◽  
Significant Area ◽  
The Government ◽  
The Impact ◽  
Negative Factors

Currently, in difficult epidemiological conditions, there are significant changes in all spheres of human life. Also, the negative impact of the coronavirus epidemic (COVID-19) was not spared by such a significant area for humanity as a mortgage. Mortgage activity has undergone significant changes in the context of the pandemic, especially under the influence of negative factors. However, despite the difficult epidemiological conditions, the Government of the Russian Federation proposed supportive measures and provided assistance to citizens who found themselves in a difficult situation. The article analyzes the trend in the development of mortgage lending, determines the dynamics of the volume of housing mortgage lending provided by credit institutions to individuals, reveals the interdependence between the number of loans issued and the mortgage rate, examines the impact of overdue debt on mortgage loans on the efficiency of a credit institution. The article examines the activities of the leader in mortgage lending Sberbank. The authors proposed measures to improve the efficiency of mortgage lending development in the activities of Sberbank.

scholarly journals Alternative scenarios of the demographic development of rural Russia: analysis and forecast

2021 ◽  
Vol 27 (108) ◽  
pp. 11-32
Author(s):  
Tatiana Viktorovna-Blinova ◽  
◽  
Svetlana Gennadievna-Bylina ◽  
Keyword(s):  
Age Structure ◽  
Rural Areas ◽  
Rural Population ◽  
Birth Rate ◽  
Population Decline ◽  
Demographic Development ◽  
Demographic Situation ◽  
Size And Age Structure ◽  
Alternative Scenarios ◽  
The Impact

The purpose of the study is to discuss the alternative scenarios of the demographic development of rural Russia. The Covid-19 coronavirus pandemic has changed the demographic situation in Russia: mortality and natural population decline increased, while the birth rate decreased. Ba-sed on the cohort-component method, we projected the rural population size and age structure for the period 2024-2049. Six alternative scenarios were developed: three with zero migration (without taking into account the impact of migration changes on the rural population) and three with migration. Therefore, the migration outflow coefficient was included in the three forecasting scenarios. However, the inflow of some urban population to the countryside is not ruled out. The results show that the population of rural Russia will decrease from 37.3 million (2019) to 29.6–33.1 million people (2049). The age structure of the population will change, the demogra-phic aging of rural areas will continue.

Public space of the trustworthiness of sociological knowledge: The case of electoral research

2020 ◽  
pp. 13-22
Author(s):  
OLEKSANDR STEGNII
Keyword(s):  
Public Space ◽  
Research Process ◽  
Negative Influence ◽  
Election Campaign ◽  
Sociological Research ◽  
Good Tool ◽  
Sociological Knowledge ◽  
The Public ◽  
Approval Ratings ◽  
The Impact

The paper analyses specific features of sociological data circulation in a public space during an election campaign. The basic components of this kind of space with regard to sociological research are political actors (who put themselves up for the election), voters and agents. The latter refer to professional groups whose corporate interests are directly related to the impact on the election process. Sociologists can also be seen as agents of the electoral process when experts in the field of electoral sociology are becoming intermingled with manipulators without a proper professional background and publications in this field. In a public space where an electoral race is unfolding, empirical sociological research becomes the main form of obtaining sociological knowledge, and it is primarily conducted to measure approval ratings. Electoral research serves as an example of combining the theoretical and empirical components of sociological knowledge, as well as its professional and public dimensions. Provided that sociologists meet all the professional requirements, electoral research can be used as a good tool for evaluating the trustworthiness of results reflecting the people’s expression of will. Being producers of sociological knowledge, sociologists act in two different capacities during an election campaign: as analysts and as pollsters. Therefore, it is essential that the duties and areas of responsibility for professional sociologists should be separated from those of pollsters. Another thing that needs to be noted is the negative influence that political strategists exert on the trustworthiness of survey findings which are going to be released to the public. Using the case of approval ratings as an illustration, the author analyses the most common techniques aimed at misrepresenting and distorting sociological data in the public space. Particular attention is given to the markers that can detect bogus polling companies, systemic violations during the research process and data falsification.

TO THE QUESTION OF THE IMPACT OF CLIMATE CHANGE ON THE ECOLOGICAL STATE OF ARTIFICIAL PLANTATIONS OF PITSUNDSKAYA PINE IN THE SEASIDE AREA OF GELENDZHIK

2017 ◽  
Author(s):  
Elizaveta Derevenets ◽  
Elizaveta Derevenets
Keyword(s):  
Negative Impact ◽  
Standard Technique ◽  
Negative Influence ◽  
Exhaust Gases ◽  
The Road ◽  
Industrial Enterprises ◽  
Federal Highway ◽  
On The Road ◽  
The Impact ◽  
The City

Gelendzhik is the resort town, there aren't a lot of industrial enterprises here. The main pollutant is transport. The work purpose is the assessment of a condition of the artificial landings of a pine located along the Federal highway "Don" and landings, which is nearly the sea coast. Researches were conducted to a standard technique of the General vital state (A. S. Bogolyubov). The assessment of a condition of pines was carried out during 6 years: from 2010 to 2015. For carrying out research we used 6 experimental grounds on the Markotkhsky spine and 2 control grounds within the town. We investigated 24 trees on each platform, middle age of the trees were 30 - 40 years. Results. 1. The condition of trees in the pine forests located in immediate proximity with the Federal highway "Don" (No. 1, 2, 3) is unsatisfactory. As even weak influences of the majority of atmospheric gaseous pollutants (sulphurous gas, nitrogen oxides, etc.) give effect of a necrosis and hloroz of pine needles, the condition of pines is connected with technogenic pollution. So near the Federal highway "Don" the air environment is strongly polluted by exhaust gases. Information of 2012 confirm that negative influence of the route on Markotkh's vegetation decreases at reduction of load of the route. 2. On the sites located above on a slope (No. 4,5,6) thanks to remoteness and the wind mode intensity of influence of pollutants is lower and a condition of pines the quite satisfactory. 3. Trees on the sites located near the sea (No. 7,8) are in a good shape. Small deterioration of a state is noted in very droughty years. Conclusion. Results of six years' research show that the condition of the plantings which are in close proximity with the road worsens. It is explained by increase in intensity of the movement on the road, especially during a resort season. Gelendzhik is the city with a good ecological shape, but the damage to environment is already caused. If not to take measures, we can lose a unique part of the nature in the future, recreate it will be impossible. Measures of reduction of negative impact of exhaust gases were offered. Results of researches are transferred to ecological department of the City administration of Gelendzhik.

TO THE QUESTION OF THE IMPACT OF CLIMATE CHANGE ON THE ECOLOGICAL STATE OF ARTIFICIAL PLANTATIONS OF PITSUNDSKAYA PINE IN THE SEASIDE AREA OF GELENDZHIK

2017 ◽  
Author(s):  
Elizaveta Derevenets ◽  
Elizaveta Derevenets
Keyword(s):  
Negative Impact ◽  
Standard Technique ◽  
Negative Influence ◽  
Exhaust Gases ◽  
The Road ◽  
Industrial Enterprises ◽  
Federal Highway ◽  
On The Road ◽  
The Impact ◽  
The City

Gelendzhik is the resort town, there aren't a lot of industrial enterprises here. The main pollutant is transport. The work purpose is the assessment of a condition of the artificial landings of a pine located along the Federal highway "Don" and landings, which is nearly the sea coast. Researches were conducted to a standard technique of the General vital state (A. S. Bogolyubov). The assessment of a condition of pines was carried out during 6 years: from 2010 to 2015. For carrying out research we used 6 experimental grounds on the Markotkhsky spine and 2 control grounds within the town. We investigated 24 trees on each platform, middle age of the trees were 30 - 40 years. Results. 1. The condition of trees in the pine forests located in immediate proximity with the Federal highway "Don" (No. 1, 2, 3) is unsatisfactory. As even weak influences of the majority of atmospheric gaseous pollutants (sulphurous gas, nitrogen oxides, etc.) give effect of a necrosis and hloroz of pine needles, the condition of pines is connected with technogenic pollution. So near the Federal highway "Don" the air environment is strongly polluted by exhaust gases. Information of 2012 confirm that negative influence of the route on Markotkh's vegetation decreases at reduction of load of the route. 2. On the sites located above on a slope (No. 4,5,6) thanks to remoteness and the wind mode intensity of influence of pollutants is lower and a condition of pines the quite satisfactory. 3. Trees on the sites located near the sea (No. 7,8) are in a good shape. Small deterioration of a state is noted in very droughty years. Conclusion. Results of six years' research show that the condition of the plantings which are in close proximity with the road worsens. It is explained by increase in intensity of the movement on the road, especially during a resort season. Gelendzhik is the city with a good ecological shape, but the damage to environment is already caused. If not to take measures, we can lose a unique part of the nature in the future, recreate it will be impossible. Measures of reduction of negative impact of exhaust gases were offered. Results of researches are transferred to ecological department of the City administration of Gelendzhik.

scholarly journals An IoT-Based Participatory Antitheft System for Public Safety Enhancement in Smart Cities

Smart Cities ◽  
2021 ◽  
Vol 4 (2) ◽  
pp. 919-937
Author(s):  
Nikos Papadakis ◽  
Nikos Koukoulas ◽  
Ioannis Christakis ◽  
Ilias Stavrakas ◽  
Dionisis Kandris
Keyword(s):  
Smart Cities ◽  
Low Cost ◽  
Negative Influence ◽  
Asset Tracking ◽  
Tracking Tasks ◽  
Tracking Process ◽  
The Impact ◽  
Operation Center ◽  
Safety Enhancement ◽  
Selection Of

The risk of theft of goods is certainly an important source of negative influence in human psychology. This article focuses on the development of a scheme that, despite its low cost, acts as a smart antitheft system that achieves small property detection. Specifically, an Internet of Things (IoT)-based participatory platform was developed in order to allow asset-tracking tasks to be crowd-sourced to a community. Stolen objects are traced by using a prototype Bluetooth Low Energy (BLE)-based system, which sends signals, thus becoming a beacon. Once such an item (e.g., a bicycle) is stolen, the owner informs the authorities, which, in turn, broadcast an alert signal to activate the BLE sensor. To trace the asset with the antitheft tag, participants use their GPS-enabled smart phones to scan BLE tags through a specific smartphone client application and report the location of the asset to an operation center so that owners can locate their assets. A stolen item tracking simulator was created to support and optimize the aforementioned tracking process and to produce the best possible outcome, evaluating the impact of different parameters and strategies regarding the selection of how many and which users to activate when searching for a stolen item within a given area.

Sign in / Sign up

Export Citation Format

Share Document