So the plaintiffs argued that the rating agencies, rather than Lehman, as listed in the offering documents "largely determined the composition of the securitized pool of loans, the amount and form of the certificates' levels of credit enhancement before the certificates were created and the ratings agencies were 'engaged' to rate the securities".
In contrast, the Federal Reserve's credit easing approach focuses on the mix of loans and securities that it holds and on how this composition of assets affects credit conditions for households and businesses.
Second, and relatedly, the active bond issuances in the past few years (Chart 5) has meant a change in the composition of liabilities, with bond issuances replacing bank loans.
Loan Loss Reserve/Loans (100 {times })) It is the ratio of the loan loss provision to the total balance of loans.
These variables are; duration of loans received, amount of loans and number of employee.
It was found that about 69% of respondents were availing loans and 79% of them delayed repayment of loans due to the consequences of drought.
The project has made two rounds of loans.
The most common type of informal credit is locally known as Changkar and consists of five kinds of loans: short-term loans, medium-term loans, seasonal loans, loans for an unspecified period, and loans with repayment in labour, each with different lending and repayment conditions and interest rates.
The most commonly mentioned sub-theme was loans and micro-credit, including the dilemma this activity raises for many CBR groups (e.g. conflict, problems with repayment, problems over interest charges, amounts of loans, and disbursement of loans).
The amount of this type of loans can be significantly bigger than the short-term loans, up to USD500 or more.
