Restyling of fees in consumers credit and their optimization
Article Abstract:
The structure of fees in a consumers credit contract is analyzed. The structure is analyzed based on the profile of financial convenience measured by Net Present Value (NPV) and the legal profile requiring Internal Rate of Return (IRR) declaration. Results show that the IRR of consumers credit contracts can be reduced and that their NPV can be improved. The most efficient fee structure can also be obtained where efficiency entails NPV maximization under a constraint on the IRR.
Publication Name: European Journal of Operational Research
Subject: Business, international
ISSN: 0377-2217
Year: 1996
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Imitation and stability in a stock market
Article Abstract:
An alternative continuous version of the basic model of agents behavior in linear financial markets under deterministic assumptions is proposed. The time variations of the impact of proposed transactions made by agents in the stock market are assumed to be decomposable into two addenda, therefore adding a dynamic element and reflecting the importance of imitative behavior. Imitation can cause instability in the proposed alternative model.
Publication Name: European Journal of Operational Research
Subject: Business, international
ISSN: 0377-2217
Year: 1996
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On the comparison between the APV and the NPV computed via the WACC
Article Abstract:
A method of calculating the weighted average cost of capital by adjusted present value and net present value is presented. A comparative analysis of the WACC calculated in the said manner is also presented.
Publication Name: European Journal of Operational Research
Subject: Business, international
ISSN: 0377-2217
Year: 2005
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