This paper deepens the study of non-performing loans (NPLs), conceived by the author as an expression of non-quality of part of bank lending / loans, which is considered in turn, as being reflected directly by the proportions held by these loans in the total volume of loans (granted by banks)....

There has been a lot of debate regarding the impact of emissions of pollutants on human health and the environment. Epidemiological studies tend to show the impact of increased ambient concentrations of pollutants on increased hospital admissions, mortality, morbidity, respiratory problems, etc....