A Difference Equation of Banking Loan with Nonlinear Deposit Interest Rate

Author:

Ansori Moch. Fandi1ORCID,Gümüş F. Hilal2ORCID

Affiliation:

1. Universitas Diponegoro

2. ZONGULDAK BÜLENT ECEVİT ÜNİVERSİTESİ

Abstract

This paper considers a banking loan model using a difference equation with a nonlinear deposit interest rate. The construction of the model is based on a simple bank balance sheet composition and a gradient adjustment process. The model produces two unstable loan equilibriums and one stable equilibrium when the parameter corresponding to the deposit interest rate is situated between its transcritical and flip bifurcations. Some numerical simulations are presented to align with the analytical findings, such as the bifurcation diagram, Lyapunov exponent, cobweb diagram, and contour plot sensitivity. The significance of our result is that the banking regulator may consider the lower and upper bounds for setting the nonlinear interest rate regulation and provide a control regulation for other banking factors to maintain loan stability.

Publisher

Journal of Mathematical Sciences and Modelling

Reference22 articles.

1. [1] M. F. Ansori, S. Hariyanto, Analysis of banking deposit cost in the dynamics of loan: Bifurcation and chaos perspectives, BAREKENG: J. Math. App., 16(4) (2022), 1283-1292, doi:10.30598/barekengvol16iss4pp1283-1292.

2. [2] M. F. Ansori, S. Khabibah, The role of cost of loan in banking loan dynamics: Bifurcation and chaos analysis, BAREKENG: J. Math. App., 16(3) (2022), 1031-1038, doi:10.30598/barekengvol16iss3pp1031-1038.

3. [3] N. Y. Ashar, M. F. Ansori, H. K. Fata, The effects of capital policy on banking loan dynamics: A difference equation approach, Int. J. Differ. Equations (IJDE), 18(1) (2023), 267-279.

4. [4] H. K. Fata, N. Y. Ashar, M. F. Ansori, Banking loan dynamics with dividen payments, Adv. Dyn. Syst. Appl. (ADSA), 18(2) (2023), 87-99.

5. [5] M. F. Ansori, G. Theotista, Winson, Difference equation-based banking loan dynamics with reserve requirement policy, Int. J. Differ. Equations (IJDE), 18(1) (2023), 35-48.

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