Journal of
Systemics, Cybernetics and Informatics
 



ISSN: 1690-4524 (Online)


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Honorary Editorial Advisory Board's Chair
William Lesso (1931-2015)

Editor-in-Chief
Nagib C. Callaos


Sponsored by
The International Institute of
Informatics and Systemics

www.iiis.org
 

Editorial Advisory Board

Editors

Journal's Reviewers
 

Description and Aims

Submission of Articles

Areas and Subareas

Information to Contributors

Editorial Peer Review Methodology

Integrating Reviewing Processes


Detection of Minimal Set of Trips Causing the Necessity to Use Extra Vehicle for Vehicle Scheduling Problem
Katerina Pastircáková, Jaromír Šulc
(pages: 1-4)

Key Factors in the Success of Self - Directed Learning of Military Personnel - Taking Smartphone as an Example
Yen-Hsi Lo, Yen-Fen Lo, Po-Yun Chiang, Jung Hsiao
(pages: 5-8)

Machine Learning Based IP Network Traffic Classification Using Feature Significance Analysis
Te-Shun Chou, John Pickard, Ciprian Popoviciu
(pages: 9-12)

The Information System for US Stock Market: Fundamental and Technical Analysis
Sergejs Hilkevics, Galina Hilkevica
(pages: 13-24)

The Impact of Environmental and Social Performance on the Market Value of Shares of Czech Joint-Stock Corporations
Alena Kocmanova, Marie Pavlakova Docekalova, Iveta Simberova
(pages: 25-31)

Play the Game! Analogue Gamification for Raising Information Security Awareness (Invited Paper)
Margit Scholl
(pages: 32-35)

Using Informatics and Technology Practices for Academic Performance Review
Kim Moorning
(pages: 36-41)

Multiple Research Perspectives as a Paradigm to Co-Create Meaningful Real-life Experiences
Jan Detand, Marina Emmanouil
(pages: 42-46)

A Methodology to Integrate Regulatory Expertise, Research and Education to Accelerate Biomedical Device Translation
Diana Easton
(pages: 47-52)

Active Learning through Smart Grid Model Site in Challenge Based Learning Course
Ellen A. Kalinga, Kwame S. Ibwe, Nerey H. Mvungi, Hannu Tenhunen
(pages: 53-64)

Non-Linear Static Analysis of Masonry Buildings under Seismic Actions
Maria Luisa Beconcini, Paolo Cioni, Pietro Croce, Paolo Formichi, Filippo Landi, Caterina Mochi
(pages: 65-70)

Toward an Engaging Hands-on Environment for a Beginning Networking and Security Class
Lopamudra Roychoudhuri
(pages: 71-76)

Designing Representations, Affecting Reality: A Meta-Model Proposal to Address the Question of Design Epistemology from the Perspective of Cognitive Science
Andrea Zammataro
(pages: 77-80)

Dielectrophoretic Movement of Cell around Surface Electrodes in Flow Channel
Yusuke Takahashi, Shigehiro Hashimoto, Manabu Watanabe
(pages: 81-87)


 

Abstracts

 


ABSTRACT


Responsible Lending in Banks of the Baltic States

Jana Erina, Ingars Erins


The aim of this article is to clarify basic principles of responsible lending in lending agreements between banks and individuals in Latvia, as well as in the existing legislation in the Baltic States that regulates this process. In order to obtain research results, the authors performed qualitative analysis of scientific literature on the issues of responsible lending; legislation that regulates mortgage lending in the Baltic States; successful experience of banks in other countries; information available on home pages of banks about commercial bank loan volumes for mortgage loans with different types of real estate asset backing; information included in loan agreements of four commercial banks in Latvia and its compliance with the laws and regulations. Loan borrower evaluation stages for review of a new loan application were developed. On the basis of loan agreement analysis, the authors elaborated a formula of monthly loan payments for bank customers who experience unfavourable financial conditions. As a result of the research, the authors came to a conclusion that in Latvia and Estonia there is no legislation that directly regulates mortgage loans. During the research the authors also faced some restrictions, as not all banks in Latvia, which continue lending activities, are willing to give information included in loan agreements.

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