An Empirical Analysis of Macroeconomic and Bank-Specific Factors Affecting Bank Deposits in Vietnam

This paper investigates the macroeconomic and bank-specific factors that determine bank deposits in Vietnam. To explore the association, A Fixed and random effect model was performed on a data set of 40 banks from 2006 to 2019. Studied bank-specific factors include capital adequacy ratio, profitability, bad loan, liquidity and listing. In addition, GDP and inflation are the macroeconomic factors considered. Based on panel data analysis, it is suggested that bank-specific factors such as bank size, bad loan, profitability GDP and inflation have a notable effect on bank depositsAmong these factors, profitability and GDP showed a positive effect on bank depositsIn contrast, Bank size, bad loan and inflation showed an insignificant effect on bank deposits. The study also highlights some new factors to provide a better understanding of bank deposits in emerging economies like Vietnam.

Penerapan Metode Random forest untuk Analisis Risiko pada dataset Peer to peer lending

— Peer to peer lending (P2PL) is one of financial technology (fintech) that develops very fast in society. On the other side, P2PL project has many risks. The risk of P2PL project can be analyzed using classification. There are two conditions of a loan, namely a good loan and a bad loan. This study uses two methods to analyze a P2PL dataset, that are Random Forest method and Logistic Regression method. Data is taken from P2PL loan dataset provided by Data World, which contains 887.379 entries with 74 features. The result of experiments is a model that can be used to predict and classify a P2PL loan as a good or bad one. Keywords— Fintech; Logistic Regression; Peer to peer lending; Random forest

The Implementation of Parate Executie of Mortgage under Plateau Price in an Effort of Solving Bad Loan (Analysis on Verdict of Supreme Court of the Republic of Indonesia Number: 471 K/Pdt/2015)

The objectives of this present research are: 1) to know and to analyze legal consideration done by judges towards limit value under plateau price from auction object in the implementation of Mortgage Parate Executie as the Effort to Solve Bad Loan; 2) to achieve legal certainty in determining limit value in the implementation of Mortgage Parate Executie in order to achieve legal justice in the community. In this research, the writers conduct judicial normative; this research is descriptive-analytical; data obtained are based on secondary data by doing library research and document study. From this research result, it is known that: 1) judges’ verdict in case of the implementation of mortgage parate executie is determined by the approach used by the judges to adjudicate. In the case study researched, the judge tends to consider good attention from the auction holder. Therefore, if the technical regulation regarding to auction, the judge assumes that the auction has been done legally although the determination of limit value by the auction appellant is not reliable from scientific method side in determining it; 2) the effort that can be done in order that the implementation of mortgage parate executie can run well is by doing revision of implementation regulation from technical guidelines of auction. It is in order that State Assets and Auction Service Office can be given authorities to conduct correction towards limit value determination of mortgage object determined by the auction appellant.

Legal Protection for the Creditor as the Mortgage Holder for Granting Loan Using Collateral Land and Building Against Bad-Loan Debtor

The writing of this article is based on a research that aims to analyze and identify the application of prudential banking principles in loan agreement by the bank as creditor for granting loans using collateral land and building as well as to analyze and describe legal protection for creditor as the mortgage holder for granting loan using collateral land and building against bad-loan debtor. The method used is normative legal research using statute and conceptual approaches. Based on the results of the study, mortgage certificate has a permanent, executorial and legal force. It has an executive force that is equivalent to a court decision that has permanent legal force and applies as a substitute for grosse acte hypotheek as long as it concerns land rights. To secure the loan granted to the debtor, the mortgage certificate holder, especially the Bank, has received legal protection in the form of a droit de preference (having precedence rights over other creditors), droit de suite, the ease of auction. In this case, the mortgage object is protected from bankruptcy and it cannot be divided into mortgage objects.

Blockchain, herding and trust in peer-to-peer lending

Purpose The gradual implementation of blockchain technology in peer-to-peer (P2P) lending platforms facilitates safer, transparent and quick access to funds without having to deal with the more complex and costly processes of banks. Beyond that, the purpose of this paper is to examine trust-enhancing heuristics that show a need for blockchain to assist in monitoring and bad loan recovery. Design/methodology/approach This study examines 909 lending decisions by 303 finance students on a mock P2P site. Each participant was asked to make three lending decisions. The loan applications were identical with the exception of a female or male photo (vs an icon) and reports of having raised half the loan in either 2 or 11 days (vs 7). Findings Investors who have experienced financial trauma are more likely to herd and lend higher amounts to loan applicants that are highly trusted by other lenders. This effect is more pronounced for male investors lending to highly trusted female loan applicants. Practical implications Blockchain can compensate for behavioral biases and improve monitoring by helping track digital money transactions and assisting in bad loan recovery efforts. Originality/value This study is the first behavioral experiment to examine herding in P2P lending. The findings complement and corroborate those by Gonzalez and Komarova (2014, 2015) and emphasize the need for blockchain to assist beyond trusted records and safe transfers of funds.