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Jubril A. Salaudeen
2021 Advanced International Journal of Banking Accounting and Finance  
And to build the needed infrastructures for national development requires a lot of money and time.  ...  This study aims to explicate the potential of Sukuk as an alternative and sustainable financial vehicle for financing infrastructural development in Nigeria.  ...  While the minister did not set a value on the proposed bond issuances or other government borrowing, the 2019 budget proposed in December 2019, flagged overall debt issuances of N1.7trn ($4.7bn), half  ... 
doi:10.35631/aijbaf.37009 fatcat:auizedf5yngxfjinfpp4xvivla

Attacking the DeFi Ecosystem with Flash Loans for Fun and Profit [article]

Kaihua Qin, Liyi Zhou, Benjamin Livshits, Arthur Gervais
2021 arXiv   pre-print
In the traditional economy, credit bears the risk that the borrower may default on its debt, the lender hence requires upfront collateral from the borrower, plus interest fee payments.  ...  Credit allows a lender to loan out surplus capital to a borrower.  ...  This leads us to the following intriguing question: What if it were possible to offer credit without bearing the risk that the borrower does not pay back the debt?  ... 
arXiv:2003.03810v4 fatcat:xecgiydakbfxtbxo7ntr6vlw3q

Software Startups - A Research Agenda

Michael Unterkalmsteiner, Pekka Abrahamsson, Wang XiaoFeng, Anh Nguyen-Duc, Syed Shah, Sohaib Shahid Bajwa, Guido H. Baltes, Kieran Conboy, Eoin Cullina, Denis Dennehy, Henry Edison, Carlos Fernandez-Sanchez (+15 others)
2016 e-Informatica Software Engineering Journal  
Software startup companies develop innovative, software-intensive products within limited time frames and with few resources, searching for sustainable and scalable business models.  ...  We connect and motivate this research agenda with past studies in software startup research, while pointing out possible future directions.  ...  Good UX can be seen as providing value to users, as well as creating a competitive advantage. UX is important for software startups from their earliest stages.  ... 
doi:10.5277/e-inf160105 dblp:journals/eInformatica/Unterkalmsteiner16 fatcat:wov4bsy665bztaoovnv7qbmuzu

Leasing, Uncertainty, and Financial Constraint

Na Zhang
2011 Social Science Research Network  
This paper develops a dynamic model to investigate the role of uncertainty and financial constraint in understanding the leasing decisions of corporate firms.  ...  Firms who borrowed from the financial intermediary pay their debt at interest rate of r and own the capital to the next period. The letter S denotes the state of capital holding position.  ...  Because of the financial constraints, only firms with very good project are able to borrow while others are not.  ... 
doi:10.2139/ssrn.2020162 fatcat:yseigkx7oza3hpnzqhozv2cuvy

Accessibility Evaluation of Saudi E-Government Systems for Teachers: A Visually Impaired User's Perspective

Duaa AlSaeed, Hend Alkhalifa, Hind Alotaibi, Raghad Alshalan, Nourah Al-Mutlaq, Shahad Alshalan, Hind Taleb Bintaleb, Areej Mansour AlSahow
2020 Applied Sciences  
The Saudi government pays great attention to the usability and accessibility issues of e-government systems.  ...  E-government educational systems, such as Noor, Faris, and iEN systems, are some of the most rapidly developing e-government systems.  ...  As a proof of concept, they conducted an accessibility test using an automatic tool and user experience (UX) test for users who had different disabilities.  ... 
doi:10.3390/app10217528 fatcat:ka5r27k3zngfzgqgqf2pfq7uaa


Olha Popelo, Maksym Dubyna, Nataliia Kholiavko
2021 Baltic Journal of Economic Studies  
The innovative models of the Ukrainian banking business development are analysed.  ...  Foreign experience and features of the development of the newest innovative information technologies in the financial services market are analysed.  ...  Emirates NBD is proud to be a global leader in innovation by developing smart and user-friendly products every year.  ... 
doi:10.30525/2256-0742/2021-7-2-188-199 fatcat:pqltfdi2kjefvcj2ifkme56kgi

Courts and Commerce: Gender, Law, and the Market Economy in Colonial New York

Terri L. Snyder, Deborah A. Rosen
1998 Journal of American History  
Most of the "griping Userers we have in this Province," he wrote, would "rather put their Money out upon Interest than pay the poor Trades-Man for his Labour."  ...  practice the real burden of household debt often fell on widows, many of whom had difficulty paying their deceased hus bands' debts. 54 While the original debtor was alive, though, creditors often tolerated  ...  Those reviews of the literature take different views of the historiographical development.  ... 
doi:10.2307/2567785 fatcat:e3w4wqatija47fkwqt3qk4x32m

Postwar Taxation in Japan

Henry Shavell
1948 Journal of Political Economy  
While the latter’s normal taxes were withheld at source on a current basis, other income TABLE 4* TAX DISTRIBUTION FOR SELECTED FISCAL YEARS, JAPAN, 1940-47 AcTuAL REcgIPts | | (ux Mittions oF YEN) PERCENTAGE  ...  Keynes, How To Pay for the War [New York, 1940], p. 49). "= “This program is approved in principle as only one of the steps leading to the development within Japan of ways and institutions which will contribute  ... 
doi:10.1086/256656 fatcat:uxvutkeatzcvrouevd3irrafdq

G-RDEM: A GTAP-Based Recursive Dynamic CGE Model for Long-Term Baseline Generation and Analysis

Wolfgang Britz, Roberto Roson
2019 Journal of Global Economic Analysis  
dynamics, we assume that regions, which receive foreign savings (fsav > 0), will pay in any consecutive year the expected returns to their foreign debtors, while investing regions (fsav < 0) will be paid  ...  Debt accumulation from foreign savings Accounting identities in the model ensure (for each time period) that the sum of regional and foreign savings in each region equals gross investments, while foreign  ... 
doi:10.21642/jgea.040103af fatcat:s3lrbnkc4nfypgpxga3jk3db7a

Regulating Habit-Forming Technology

Kyle Langvardt
2019 Social Science Research Network  
The predictable result is that most tech users spend more time on device than they would like, about five hours of phone time a day, while a substantial minority develop life-changing behavioral problems  ...  Tech developers, like slot machine designers, strive to maximize the user's "time on device."  ...  An Overview of Habit-Forming Design Developers drive time on device by producing user interface (UI) and user experience (UX) design practices that draw the user into compulsive behavior.  ... 
doi:10.2139/ssrn.3351936 fatcat:xje675rxnrc5fkn5ifdlaz6esi

Pawning in German working-class life before the First World War

K C Fuhrer
2001 International Review of Social History  
Moritz Mohl, Die Pest o È ffentlicher Leihha È user (Stuttgart, 1866), p. 35. 13.  ...  In times of real hardship proletarian families tried to avoid the accumulation of debts ± clearly because they felt that this could easily lead to complete disaster.  ... 
pmid:18437761 fatcat:yq53timdjvf3fgli2l7xkf5qga

Pawning in German Working-Class Life Before the First World War

Karl Christian Fuhrer
2001 International Review of Social History  
Moritz Mohl, Die Pest o È ffentlicher Leihha È user (Stuttgart, 1866), p. 35. 13.  ...  In times of real hardship proletarian families tried to avoid the accumulation of debts ± clearly because they felt that this could easily lead to complete disaster.  ... 
doi:10.1017/s0020859001000025 fatcat:t4jesvjhb5hynb5squ4cbgh3ny

What's the buzz?

Eleanor Mitchell, Sarah Barbara Watstein
2015 Reference Services Review  
with faculty in new and productive ways.  User experience (UX) and usability testing that informs the development of library resources will continue to be a growth area for academic librarians.  ...  Rising student debt has led to increased scrutiny of higher education costs and outcomes.  ... 
doi:10.1108/rsr-04-2015-0021 fatcat:yyubqsvnqvc3ho5cvtfy5jj56i

Finance & Development, December 2017

International Monetary Fund.
2017 Finance & Development  
While it saved a prescribed $484 million in oil revenues for a rainy day, it also borrowed $4.5 billion on international markets.  ...  Capital markets also need to be developed further to make it easier for companies to obtain equity and debt financing.  ... 
doi:10.5089/9781484316207.022 fatcat:n37kjqbt4vgs5eihlhk2mtmolm

Republic of Tajikistan: Selected Issues and Statistical Appendix

International Monetary Fund
2003 IMF Staff Country Reports  
While the cost of supply per unit of heating is about US$ 15, DTS supplies heat -29lo household users at the price of only 4 cents per heating unit.  ...  -^-^^-r^j^ffBti-*, has been financed through external borrowing rather than deposit mobilization.  ... 
doi:10.5089/9781451836974.002 fatcat:i6hmwpdpmfat5gjc2f64urd5cq
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