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k80 skinny jeans Education loans have been growing at a notable pace in recent years and a further boost is expected with the newly launched ‘Pradhan Mantri Vidyalaxmi scheme’. Given the RBI report that education loan growth touched 17.6 per cent year-on-year (yoy) for the fortnight ending September 20, Bibekananda Panda, Senior Economist, State Bank of India (SBI), points out that it has outpaced the overall credit growth of 13 per cent and personal credit growth of 13.4 per cent. The PM Vidyalaxmi scheme is designed to offer collateral-free, guarantor-free education loans through a simple, transparent, student-friendly and fully digital application process, backed by a credit guarantee from the government. Panda expects such a loan structure to incentivise banks to expand their coverage. By reaching financial support to nearly 22 lakh meritorious students annually, the scheme will directly benefit those who gain admission to the nation’s top 860 higher educational institutions, he says. In addition to the government’s credit guarantee, the scheme includes an interest subvention of 3 per cent on loans up to ₹10 lakh for students with annual family income of up to ₹8 lakh and full interest subvention for students with annual family income of up to ₹4.5 lakh. Mislabelled agri loans face culling Why peer-to-peer lending has RBI on edge Gold loans: Test by fire “The new initiative aims to brighten the future of meritorious students from lower income strata. This approach is expected to encourage banks to expand in this segment and contribute to building human capital for a Viksit Bharat,” the SBI economist says. The push from non-banking financial companies (NBFCs) is also driving the growth in education loans. For NBFCs, education loans, especially for overseas study, will remain one of the fastest-growing segments, given the rising demand for higher education, according to analysts. “After robust growth of over 80 per cent and 70 per cent in fiscals 2023 and 2024 respectively, NBFCs’ education loan assets under management (AUM) rose to about ₹43,000 crore as on March 31, 2024. Their AUM is expected to grow at a healthy clip of 40-45 per cent to cross ₹60,000 crore this fiscal,” says Ajit Velonie, Senior Director, CRISIL Ratings. In terms of asset quality, the metrics are expected to remain stable despite country-specific concerns. The number of Indian students studying abroad is estimated to have doubled in the past five years to around 13.4 lakh. Only a tenth is funded by NBFCs, and even after including education loans from banks, the financed quantum is not much higher, according to Velonie. “What that indicates is that a large portion of overseas education is being funded through alternative means — informal financing, self-funding or perhaps other forms of loans. That shows that education loan companies have significant headroom for growth. Rising ticket sizes — due to ascending tuition fees, inflation and living expenses — are also tailwinds,” he adds. Demand for education loans is driven by a range of factors. The growing interest in pursuing higher studies in the US or Europe, especially for science, technology, engineering and mathematics (STEM) courses, is generating big-ticket loans of ₹30-74 lakh, and leading to a growth in the total portfolio outstanding. Apart from loans with collateral, which is the norm at public sector banks, students have access to collateral-free education loans from private sector banks and NBFCs based on their academic record, parents’ financial standing and credit bureau score. HDFC Bank, for example, offers such collateral-free education loans up to ₹50 lakh. Amid the robust growth in the education loan segment, banks are also turning cautious owing to the recessionary trend in the US and Europe, and the attendent challenges in the job market in these geographies. “We are watching the situation and our insights show there have been concerns in the US and the UK regarding internships and jobs over the last two quarters. There is a need to keep vigil over non-performing assets (NPAs). We also expect some dip in demand for overseas education loans if the current downward trend in the global economy continues,” says an Executive Director of a public sector bank. RBI data also flags worries over potential NPAs. According to its Financial Stability Report (June 2024), NPAs in education loans stood at 3.6 per cent, which is on the higher side in comparison with other personal credit segments such as auto loans and housing loans at 1.3 per cent and 1.1 per cent respectively. Comments

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Spotlight PA is an independent, nonpartisan and nonprofit newsroom producing investigative and public-service journalism that holds power to account and drives positive change in Pennsylvania. Sign up for our free newsletters . The press is the only profession specifically named and protected in the U.S. Constitution. And that’s because our founders knew it was inextricably linked to the success of our states, our country and our young republic. Yet, most people’s experience with the news lately has been terrible. Extreme financial pressure has led to fewer trusted local reporters and diminished local reporting, while national media — especially cable news — has gotten louder and more divisive. Many people are tuning out, turning away, or worse, vilifying journalism as the enemy. Yet regardless of our political affiliations, we pledge allegiance to one shared country, and the future of that country is inextricably linked to the future of a free press. So what are we to do in this pivotal moment? Five years ago, we launched Spotlight PA ( spotlightpa.org ) to take journalism back. We formed an independent, strictly nonpartisan newsroom to keep our state and local governments honest, track our tax dollars and hold our elected leaders to account. And we chose a nonprofit business model to ensure our journalism answers to you — not shareholders, profit margins or a billionaire owner. Our financial success is tied directly to your support, so we prioritize unique, compelling reporting above all else. The impact of Spotlight PA’s founding resonates with every story we write. We’ve saved taxpayers millions of dollars, uncovered broken government programs and gotten people life-changing help, and held lawmakers and powerful institutions accountable for their actions — sometimes leading to legislative and policy changes. What’s more, we share our stories at no cost with more than 130 other news outlets across Pennsylvania — including this one — to bring you more and better coverage. We believe investigative and public-service journalism is the highest calling of our profession, fulfilling the mandate set forth 236 years ago when our constitution was ratified. As Thomas Jefferson said, if offered a choice between “a government without newspapers, or newspapers without a government,” he would always choose the latter. Our journalism can sometimes be unpopular, and you may not love everything we write. That’s OK. In fact, that’s the hallmark of nonpartisan reporting. But fundamentally, for the good of our country, we can’t afford to leave those with power and influence — especially government — to their own devices and without sustained scrutiny. That’s why I’m asking for your support today at spotlightpa.org/donate . These final days of 2024 are critical to sustaining and growing Spotlight PA’s trusted, nonpartisan reporting in the year to come. Your gift of any amount is tax-deductible , and every dollar you contribute by Dec. 31 will be doubled by the Lenfest Institute for Journalism. If you prefer to send a check, mail it to: Spotlight PA, PO Box 11728, Harrisburg, PA 17108-1728. I have seen firsthand how an investment in Spotlight PA can yield one of the greatest returns in public good of any you can make this season of giving. You don’t have to love all that journalism has become, but you need to support the journalism you value. We cannot afford the alternative. Christopher Baxter is the CEO and president of Spotlight PA ( spotlightpa.org ). BEFORE YOU GO: If you learned something from this article, pay it forward and contribute to Spotlight PA at spotlightpa.org/donate . Spotlight PA is funded by foundations and readers like you who are committed to accountability journalism that gets results. Get opinion pieces, letters and editorials sent directly to your inbox weekly!Pangasinan's quarry share nears P300MCOLLEGE BOWL

ISLAMABAD: Finance Minister Muhammad Aurangzeb has revealed the significant economic losses caused by opposition-led protests, ARY News reported. Muhammad Aurangzeb held a press conference amid Pakistan Tehreek-e-Insaf’s (PTI) planned march towards Islamabad. He highlighted the severe economic impact of such protests, emphasizing the need for political stability to safeguard the country’s economy. Addressing the media, he stated that the daily financial damage from opposition-led lockdowns and protests exceeds Rs190 billion. He explained that disruptions caused by protests hinder tax collection, obstruct businesses, and negatively impact exports. Additional expenses are also incurred for maintaining law and order during such protests. The minister highlighted that the IT and telecommunications sectors face separate economic losses, with their closure affecting social dynamics and the digital economy. According to a detailed report by the Ministry of Finance, protests result in a daily GDP loss of Rs 144 billion. Export reductions cost Rs 26 billion daily, while direct foreign investment declines lead to an additional Rs 3 billion loss. Aurangzeb added that provinces bear additional losses, including Rs 26 billion daily in the agricultural sector and over Rs 20 billion in the industrial sector. Read More: Musadik Malik accuses PTI leadership of ‘blocking’ founder’s release Earlier, Federal Minister for Petroleum Dr. Musadik Malik criticised Pakistan Tehreek-e-Insaf’s (PTI) leadership, claiming they are seemingly disinterested in securing the release of their founder, Imran Khan. Speaking at a news conference, Musadik Malik emphasised that solving public issues is the government’s priority, highlighting that government measures have led to a reduction in inflation, and the stock market is at its highest level in history. He added that the nation must unite against extremism, mentioning that people from Parachinar are sitting on the roads with the bodies of their loved ones, yet there has been no sign of Khyber Pakhtunkhwa’s Chief Minister Ali Amin Gandapur going to help them. Musadik Malik also criticised Ali Amin Gandapur for trying to attack Punjab and Islamabad, adding, “What happened to his Do-or-Die rally today? There are voices everywhere saying ‘Arrest me, take me in.’ Where are all the senior PTI leaders? No rallies are visible in Punjab, Lahore, Faisalabad, and Gujranwala.”ATLANTA , Dec. 10, 2024 /PRNewswire/ -- Cousins Properties Incorporated (the "Company") CUZ today announced that it has commenced an underwritten public offering of 9,500,000 shares of its common stock. The Company intends to use the net proceeds of the offering to fund a portion of the purchase price of an office property in Downtown Austin . If this acquisition is not consummated, the net proceeds will be used for general corporate purposes, including the acquisition and development of office properties, other opportunistic investments and the repayment of debt. J.P. Morgan will serve as the sole book-running manager for the offering. This offering will be made pursuant to a prospectus supplement to the Company's prospectus dated May 8, 2024 , filed as part of the Company's effective shelf registration statement relating to the shares. This press release shall not constitute an offer to sell or the solicitation of an offer to buy the shares described herein or any other securities, nor shall there be any sale of these shares in any state or other jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of such state or other jurisdiction. The offering may be made only by means of a prospectus supplement and the related prospectus. Before you invest, you should read the prospectus supplement, the prospectus and other documents filed with the Securities and Exchange Commission for more complete information about the Company and this offering. You may get these documents for free by visiting EDGAR on the Securities and Exchange Commission website at www.sec.gov . Alternatively, a copy of the prospectus supplement and the prospectus relating to the shares can be obtained by contacting the underwriter as follows: J.P. Morgan Securities LLC, c/o Broadridge Financial Solutions, 1155 Long Island Avenue, Edgewood, NY 11717 or by email at prospectus-eq_fi@jpmchase.com and postsalemanualrequests@broadridge.com . About Cousins Properties Cousins Properties is a fully integrated, self-administered and self-managed real estate investment trust (REIT). The Company, based in Atlanta, GA and acting through its operating partnership, Cousins Properties LP, primarily invests in Class A office buildings located in high-growth Sun Belt markets. Founded in 1958, Cousins creates shareholder value through its extensive expertise in the development, acquisition, leasing and management of high-quality real estate assets. The Company has a comprehensive strategy in place based on a simple platform, trophy assets and opportunistic investments. Forward-Looking Statements Certain matters discussed in this press release are forward-looking statements within the meaning of the federal securities laws and are subject to uncertainties and risk and actual results may differ materially from projections, including matters related to the commenced public offering and intended use of proceeds. Readers should carefully review the Company's financial statements and notes thereto, as well as the risk factors described in Part I, Item 1A of the Company's Annual Report on Form 10-K for the year ended December 31, 2023 and in Part II, Item 1A of the Company's Quarterly Reports on Form 10-Q for the quarters ended June 30, 2024 and September 30, 2024 , and other documents the Company files from time to time with the Securities and Exchange Commission. Such forward-looking statements are based on current expectations and speak as of the date of such statements. The Company undertakes no obligation to publicly update or revise any forward-looking statement, whether as a result of future events, new information or otherwise. Contact: Roni Imbeaux Vice President, Finance and Investor Relations Cousins Properties 404-407-1104 rimbeaux@cousins.com View original content: https://www.prnewswire.com/news-releases/cousins-properties-announces-public-offering-of-9-500-000-shares-of-common-stock-302328164.html SOURCE Cousins Properties © 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.The Nigerian stock market tracked by the All-Share Index (ASI) ended in the green on December 23, 2024, with a modest gain of 227.06 points, closing at 101,356.15, a rise of 0.22% as it approaches the 101,500-mark. However, market volume dipped from 513 million shares to 503 million shares, reflecting a 2% decrease from the last session. Market capitalization remained steady above the N61 trillion threshold, finishing the day at N61.4 trillion, supported by 12,490 transactions. Related Stories 56 stocks outperform ASI year-to-date in November Market Wrap: All-Share Index rises with 1 billion in trading volume as GOLDBREW jumps 10% Leading the gainers were OKOMUOIL, CHAMPION, MANSARD, MRS, and LIVINGTRUST, all rising by 10.00%. On the downside, AUSTINLAZ was the largest decliner, dropping 9.84%, closely followed by ARADEL, which fell 9.64%, reflecting a mixed sentiment in the market. In trading activity, GTCO and JAPAULGOLD were the most actively traded stocks, attracting significant investor interest and contributing to market turnover. Current ASI: 101,356.15 points Previous ASI: 101,129.09 points Day Change: +0.22% Year-to-Date Performance: +35.55% Volume Traded: 503.1 million shares Market Cap: N61.4 trillion OKOMUOIL: up 10.00% to N403.70 CHAMPION: up 10.00% to N4.18 MANSARD: up 10.00% to N8.25 MRS: up 10.00% to N198.00 LIVINGTRUST: up 10.00% to N3.63 AUSTINLAZ: down 9.84% to N1.65 ARADEL: down 9.64% to N600.00 OANDO: down 8.63% to N63.50 VERITASKAP: down 4.44% to N1.29 OMATEK: down 4.41% to N0.65 Despite the market’s overall positive trajectory, trading volume experienced a notable decline of 2%, with 503 million shares exchanged compared to the prior session. GTCO emerged as the volume leader, trading 39.3 million shares. JAPAULGOLD maintained strong momentum, following closely with 35.7 million shares. ZENITHBANK secured the third spot with 34.6 million shares exchanged. UBA contributed 26.3 million shares to the day’s total. UNIVINSURE rounded out the top five with 25.5 million shares traded. Heavyweight stocks dominated trading by value, attracting significant institutional interest: ARADEL led with transactions worth N3.7 billion, reflecting robust investor confidence. GTCO followed closely with trades valued at N2.25 billion. ZENITHBANK and TOTAL posted trading values of N1.5 billion and N1 billion, respectively. UBA completed the top five with N912 million in transactions. ARADEL, OANDO, and WAPCO declined by 9.64%, 8.63%, and 0.73%, respectively. In contrast, MTNN recorded a gain of 1.42%. FUGAZ stocks (FBNH, UBA, GTCO, ACCESSCORP, ZENITHBANK): All FUGAZ stocks closed in the green, with UBA leading at 3.70%, followed by GTCO at 3.07% and ACCESSCORP at 2.29%. FBNH and ZENITHBANK also posted gains of 1.31% and 0.33%, respectively. The Nigerian All-Share Index remains on a robust upward trajectory, closing above 101,300 points as it approaches the 102,000-point barrier. Continued gains in mid- and large-cap stocks may drive further increases in market capitalization, sustaining the bullish momentum.COLLEGE BOWL

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