Global ETD Search
Search theses and dissertations gathered from participating repositories worldwide. Every result links back to the library that holds it. No account is needed.
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Showing 1 to 20 of 61 for “"Consumer Credit"”.
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The Demand for Consumer Credit
The demand for consumer credit is an area of economics that is of great interest to those in the lending community. While much research has been performed on this topic in the financial industry, the findings have been very closely guarded for competitive reasons. In this study, reduced form …
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Applications of machine learning : consumer credit risk analysis
Current credit bureau analytics, such as credit scores, are based on slowly varying consumer characteristics, and thus, they are not adaptable to changes in customers behaviors and market conditions over time. In this paper, we would like to apply machine-learning techniques to construct …
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Three essays on financial intermediation and consumer credit markets
Submission published under a 24 month embargo labeled 'U of I Access', the embargo will last until 2026-05-01
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Machine Learning in Consumer Credit: Legal, Economic, Ethical & Policy Implications
Consumer credit plays a vital role in economic opportunity and social mobility, yet it has long been plagued by inefficiencies, inequalities, and inadequate regulatory protection. As consumer credit markets evolve in the 21st century, the integration of artificial intelligence and machine learning …
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An evaluation of support vector machines in consumer credit analysis
… support vector machine approach for determining consumer credit. The support vector machine using a radial basis function (RBF) kernel is compared to a previous implementation of a decision tree machine learning model. The dataset used for evaluation was provided by a large bank and includes …
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Consumer credit risk measurement : challenges for the Paraguayan banking system
Credit risk is often a critical risk in the financial sector. Therefore, how a financial institution manages its credit risk is an important determinant of profitability and solvency. In this regard, the identification and measurement of credit risk is the first component of efficient risk …
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Two essays on consumer credit as a claim on workers’ income
… that study topics on the intersection of the consumer credit and labor markets. Below are the individual abstracts. Chapter 1: Does Paycheck Frequency Matter? Evidence from Micro Data Paycheck frequency is a salient labor income characteristic to which all workers are exposed. Using a unique …
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The dynamics of consumer credit and household indebtedness in South Africa
Consumer credit has become an important element of the South African economy. Given the limits on state social security payments, and the chronic absence of substantial household savings, consumer credit has come to play a vital role as a substitute for income support and/or a complement to low …
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The development of a competency-based consumer credit counseling certification examination
… and pilot test a certification instrument for consumer credit counselors. The project was funded by the National Foundation for Consumer Credit. The specific objectives of the project were: 1. To determine the state-of-the-art in consumer credit counseling. 2. To establish the basic beliefs of …
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Consumer credit and over-indebtedness: the parliamentary response: past, present and future
In 2001 the Government announced the Consumer Credit Review, initiating consultations on changes to the present UK consumer credit legislation. The White Paper `Fair Clear and Competitive; The Consumer Credit Market in the 21st Century' was published in December 2003 and a Consumer Credit Bill was …
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Tornado in Credit Desert: Role of Consumer Credit Access in Disaster Recovery
I study the effect of credit access restrictions on post-disaster financial outcomes of subprime consumers in Arkansas, a state with the lowest usury cap of 17 percent. Due to the restrictive cap, neither payday nor consumer finance companies operate in Arkansas, while they do in all six …
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Loss distributions in consumer credit risk : macroeconomic models for expected and unexpected loss
… on modelling the distributions of loss in consumer credit arrangements, both at an individual level and at a portfolio level, and how these might be influenced by loan-specific factors and economic factors. The thesis primarily aims to examine how these factors can be incorporated into a …
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The fallacy of equating "blindness" with fairness : ensuring trust in machine learning applications to consumer credit
… Congress coalesced around a vision for fair consumer credit: equally accessible by all consumers, and developed on accurate and relevant information, with controls for consumer privacy. In two foundational pieces of legislation, the Fair Credit Reporting Act (FCRA) and the Equal Credit …
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Consumer credit in the clothing and textile retail trade: A study of two English provincial retailers, 1878-1914
… of clothing and fabrics and their customers used credit in the decades leading up to the First World War: Hall and Spindler, a bespoke tailoring and outfitting firm in Leamington Spa, and William Heddle, a credit draper in Southend-on-Sea. Between them, they dealt with men and women from a wide …
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NPL forecasting under a fourier residual modified model: An empirical analysis of an unsecured consumer credit provider in South Africa
… loans (NPLs) is a primary objective for credit providers. NPL forecasts assist in financial budgeting and provisioning for bad debts. The difficulty in accurately identifying the determinants of domestic NPLs has led to a review of time series forecasting techniques. This dissertation …
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An overview of consumer credit and an analysis of factors causing unmanageable debt in twenty five - thirty four year old consumers.
… empirical studies which examine the problems of consumer credit debtors or the environment in which that debt occurred. This thesis provides an empirical analysis of factors causing unmanageable debt in a cohort of 25 to 34 year old consumers in the UK during 1988 - 1990. The data for the …
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Vartojimo kredito dinamika ir analizė Lietuvoje /
… of this thesis is to analyze the dynamics of consumer credit in Lithuania based on a review of the scientific literature and to conduct an empirical study to evaluate the growth of the consumer credit market in relation macroeconomic factors in Lithuania. The work consists of three main parts: …
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Secondary Debt Prevention Measures in Terms of the National Credit Act 34 of 2005
… overview of progressive development of consumer credit legislation that laid the foundation for the National Credit Act. It constitutes of an overview of consumer credit legislation that governed credit agreements prior to the National Credit Act. It investigates secondary debt …
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