Journal of
Systemics, Cybernetics and Informatics
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ISSN: 1690-4524 (Online)


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Editorial Advisory Board's Chair
William Lesso

Editor-in-Chief
Nagib C. Callaos


Sponsored by
The International Institute of
Informatics and Systemics

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Effect of Flow on Cultured Cell at Micro-Pattern of Ridge Lines
Haruka Hino, Shigehiro Hashimoto, Yusuke Shinozaki, Hiromi Sugimoto, Yusuke Takahashi
(pages: 1-7)

Bridging the Semantic and Lexical Webs: Concept-Validating and Hypothesis-Exploring Ontologies for the Nexus-PORTAL-DOORS System
Adam Craig, Seung-Ho Bae, Carl Taswell
(pages: 8-13)

The Learning Science through Theatre Initiative in the Context of Responsible Research and Innovation
Zacharoula Smyrnaiou, Elena Georgakopoulou, Menelaos Sotiriou, Sofoklis Sotiriou
(pages: 14-22)

Perceptions and Preferences of High School Students in STEM: A Case Study in Connecticut and Mississippi
Bin (Brenda) Zhou, Clifford Anderson, Feng Wang, Lin Li
(pages: 23-26)

A Study on the Meaning of the ‘Lifelong Learning to Be’ Implicated in the Philosophy of Nietzsche
Kwanchun Lee, Soo Yeon Choi, Un Shil Choi
(pages: 27-32)

Barriers to Social Innovation and Ways of Overcoming them in Latvia
Karine Oganisjana, Yuliya Eremina, Salome Gvatua, Benjamin Ngongo Kabwende, Ozoemena Joseph Chukwu
(pages: 33-38)

Unmanned Aerial Vehicle-Based Automobile License Plate Recognition System for Institutional Parking Lots
Julian Dasilva, Ricardo Jiménez, Roland Schiller, Sanja Zivanovic González
(pages: 39-43)

Dialectal Atlas of the Arab World - between Intention and Reality
Oleg Redkin, Olga Bernikova
(pages: 44-47)

IT Risk and Chaos Theory: Effect on the Performance of South African SMEs
Anass Bayaga, Stephen Flowerday, Liezel Cilliers
(pages: 48-53)

How to Apply the User Profile Usability Technique in the User Modelling Activity for an Adaptive Food Recommendation System for People on Special Diets
Lucrecia Llerena, Nancy Rodríguez, Pablo Gómez-Abajo, John W. Castro
(pages: 54-63)

Policies, Legislation and Regulatory Compliance Governance Impact on Strategic Management of Higher Education and Research Institutions in Latvia
Anita Straujuma, Inga Lapina, Elina Gaile-Sarkane, Modris Ozolins
(pages: 64-69)

Parallel Prediction of Stock Volatility
Priscilla Jenq, John Jenq
(pages: 70-73)

Hacking a Bridge: An Exploratory Study of Compliance-Based Information Security Management in Banking Organization
Tesleem Fagade, Theo Tryfonas
(pages: 74-80)

Improvement in the Physical and Psychological Well-Being of Persons with Spinal Cord Injuries by Means of Powered Wheelchairs Driven by Dual Power Wheels and Mobile Technologies
Yee-Pien Yang, Li-Jen Weng, Ye-Yu Yeh, Hui-Fen Mao, Ray-I. Chang
(pages: 81-87)

Data Mediation with Enterprise Level Security
Kevin E. Foltz, William R. Simpson
(pages: 88-93)


 

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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