High loan-to-value (LTV) mortgage are residential mortgage loans with LTV ratio greater or equal to 90\%. Lenders are increasingly engaged in risk-based pricing. If properly quantified, the additional credit risk taken when originating high LTV mortgage can be compensated by higher interest rate...

This paper investigates the factors that influence the operationalisation of strategic human resource management and development in The Health System, a state health system in Australia. A survey was conducted among a sample of managers in all districts of The Health System. It indicates that...