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Marc Gurgand - One of the best experts on this subject based on the ideXlab platform.

  • student loans liquidity constraint and higher education in south africa
    Social Science Research Network, 2011
    Co-Authors: Marc Gurgand, Adrien Lorenceau, Thomas Mélonio
    Abstract:

    Empirical evidence that access to higher education is constrained by Credit availability is limited and usually indirect. This paper provides direct evidence by comparing university enrollment rates of potential South African students, depending on whether or not they get a loan to cover their university fees, in a context where such fees are high. We use matched individual data from a Credit Institution (Eduloan) and from the Department of Education. Using a regression-discontinuity design based on the fact that loans are granted according to a Credit score threshold, we can estimate the causal impact of loan obtainment. We find that the Credit constraint is substantial, as it reduces the enrollment rate into higher education by more than 20 percentage points in a population of student loan applicants.

  • Student loans: Liquidity constraint and higher education in South Africa
    2011
    Co-Authors: Marc Gurgand, Adrien Lorenceau, Thomas Mélonio
    Abstract:

    Empirical evidence that access to higher education is constrained by Credit availability is limited and usually indirect. This paper provides direct evidence by comparing university enrollment rates of South African potential students, depending on whether they get a loan or not to cover their registration fees, in a context where such fees are high. We use matched individual data from both a Credit Institution (Eduloan) and the Department of Education. Based on a regression discontinuity design using the fact that loans are granted according to a Credit score threshold, we can estimate the causal impact of loan obtainment. We find that the Credit constraint is substantial, as it decreases the enrollment rate into higher education by more than 20 percentage points in a population of student loan applicants.

Thomas Mélonio - One of the best experts on this subject based on the ideXlab platform.

  • student loans liquidity constraint and higher education in south africa
    Social Science Research Network, 2011
    Co-Authors: Marc Gurgand, Adrien Lorenceau, Thomas Mélonio
    Abstract:

    Empirical evidence that access to higher education is constrained by Credit availability is limited and usually indirect. This paper provides direct evidence by comparing university enrollment rates of potential South African students, depending on whether or not they get a loan to cover their university fees, in a context where such fees are high. We use matched individual data from a Credit Institution (Eduloan) and from the Department of Education. Using a regression-discontinuity design based on the fact that loans are granted according to a Credit score threshold, we can estimate the causal impact of loan obtainment. We find that the Credit constraint is substantial, as it reduces the enrollment rate into higher education by more than 20 percentage points in a population of student loan applicants.

  • Student loans: Liquidity constraint and higher education in South Africa
    2011
    Co-Authors: Marc Gurgand, Adrien Lorenceau, Thomas Mélonio
    Abstract:

    Empirical evidence that access to higher education is constrained by Credit availability is limited and usually indirect. This paper provides direct evidence by comparing university enrollment rates of South African potential students, depending on whether they get a loan or not to cover their registration fees, in a context where such fees are high. We use matched individual data from both a Credit Institution (Eduloan) and the Department of Education. Based on a regression discontinuity design using the fact that loans are granted according to a Credit score threshold, we can estimate the causal impact of loan obtainment. We find that the Credit constraint is substantial, as it decreases the enrollment rate into higher education by more than 20 percentage points in a population of student loan applicants.

Adrien Lorenceau - One of the best experts on this subject based on the ideXlab platform.

  • student loans liquidity constraint and higher education in south africa
    Social Science Research Network, 2011
    Co-Authors: Marc Gurgand, Adrien Lorenceau, Thomas Mélonio
    Abstract:

    Empirical evidence that access to higher education is constrained by Credit availability is limited and usually indirect. This paper provides direct evidence by comparing university enrollment rates of potential South African students, depending on whether or not they get a loan to cover their university fees, in a context where such fees are high. We use matched individual data from a Credit Institution (Eduloan) and from the Department of Education. Using a regression-discontinuity design based on the fact that loans are granted according to a Credit score threshold, we can estimate the causal impact of loan obtainment. We find that the Credit constraint is substantial, as it reduces the enrollment rate into higher education by more than 20 percentage points in a population of student loan applicants.

  • Student loans: Liquidity constraint and higher education in South Africa
    2011
    Co-Authors: Marc Gurgand, Adrien Lorenceau, Thomas Mélonio
    Abstract:

    Empirical evidence that access to higher education is constrained by Credit availability is limited and usually indirect. This paper provides direct evidence by comparing university enrollment rates of South African potential students, depending on whether they get a loan or not to cover their registration fees, in a context where such fees are high. We use matched individual data from both a Credit Institution (Eduloan) and the Department of Education. Based on a regression discontinuity design using the fact that loans are granted according to a Credit score threshold, we can estimate the causal impact of loan obtainment. We find that the Credit constraint is substantial, as it decreases the enrollment rate into higher education by more than 20 percentage points in a population of student loan applicants.

Gede I Riana - One of the best experts on this subject based on the ideXlab platform.

  • intellectual capital as a basis of service performance on village Credit Institution
    Journal of Multidisciplinary Academic, 2018
    Co-Authors: Gede I Riana, Wayan I Suana, Kastawan Mandala
    Abstract:

    Entering the ASEAN Economic Community (AEC) has forced various business organizations to change the business paradigm from labor based business or traditional patterns lead to a modern business that is knowledge-based business. This study aims to analysis the role of Intellectual capital (human capital, relational capital and structural capital) in developing the service performance at Village Credit Institutions (VCI). This research was conducted at 35 VCI in the Municipalities over Denpasar, Indonesia. Here, the 35 VCI’s was tested to obtain hypotheses using descriptive and inferential analysis Partial Least Square (PLS). The results of the study concluded that human capital and relational capital are significantly influence on services performance. In contrast, structural capital does not significantly influence on service performance.

  • developing entrepreneurial orientation through catur purusa arta cpa culture on village Credit Institution vci
    Journal of Multidisciplinary Academic, 2018
    Co-Authors: Gede I Riana, Wayan Pradnyantha I Wirasedana
    Abstract:

    One of micro finance Institution that has proliferated in Bali is Village Credit Institutions (VCI). VCI is a kind of micro finance Institution which the owner by the traditional village and the only one micro finance Institution that is managed by customary in Indonesia. This study aimed to analysis the effect of entrepreneurial orientation on VCI performance with Catur Purusa Arta (CPA) culture as a moderating variable. The research was conducted at Gianyar, Bali with 86 VCI as a sample. Methods of the data collection used interview techniques and questionnaires. Before analysis, the data qualify was test validity and reliability using SPSS. Furthermore, the data have collected was analysis using descriptive analysis and Moderation Regression Analysis (MRA). The results showed that entrepreneurial orientation is significantly affect on VCI performance. CPA is not significant effect on VCI performance. Moreover, the findings explained that CPA not significant strengthen in the effect of entrepreneurial orientation on VCI performance.

  • the mediating effect of calling on spiritual leadership and job satisfaction in village Credit Institution
    Scientific Journal of PPI - UKM, 2016
    Co-Authors: Gede Putu I Kawiana, Gede I Riana
    Abstract:

    This research aims to identify and analyse: 1) the effect of spiritual leadership on calling; 2) the effect of spiritual leadership on job satisfaction; 3) the effect of calling on job satisfaction; 4) the mediating effect of calling on spiritual leadership and job satisfaction. The Sample which is used in this study was employees which purposive sampling is taken 44 respondent under certain criteria of the village Credit Institution (VCI). Data used in this research is primary and secondary data which using Partial Least Square (PLS) in analysing qualifies gathered data. The results of the analysis concluded that: first, spiritual leadership has a significant effect on calling; secondly, spiritual leadership has a significant effect on job satisfaction; thirdly, calling has not significant effect on job satisfaction; finally, calling has unmediated on spiritual leadership and job satisfaction.

Kastawan Mandala - One of the best experts on this subject based on the ideXlab platform.

  • intellectual capital as a basis of service performance on village Credit Institution
    Journal of Multidisciplinary Academic, 2018
    Co-Authors: Gede I Riana, Wayan I Suana, Kastawan Mandala
    Abstract:

    Entering the ASEAN Economic Community (AEC) has forced various business organizations to change the business paradigm from labor based business or traditional patterns lead to a modern business that is knowledge-based business. This study aims to analysis the role of Intellectual capital (human capital, relational capital and structural capital) in developing the service performance at Village Credit Institutions (VCI). This research was conducted at 35 VCI in the Municipalities over Denpasar, Indonesia. Here, the 35 VCI’s was tested to obtain hypotheses using descriptive and inferential analysis Partial Least Square (PLS). The results of the study concluded that human capital and relational capital are significantly influence on services performance. In contrast, structural capital does not significantly influence on service performance.