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 12 of 12 for “"consumer loans"”.
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Default risk of Icelandic consumer loans : implementation of a credit risk model
Online consumer lending in Iceland has seen significant growth in the past years. With online applications and live data monitoring comes more access to useful data that has the possibility of improving the assessment of default risk. If assessment of default risk can be improved, the opportunity …
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A credit risk management model for a portfolio of low-income consumer loans in Mexico
Low-income consumer lending (LICL) in Latin America has experienced a boom in recent years. This has attracted the interest of a large number of financial players eager to capture a portion in this still under-banked segment. Despite this huge market potential, credit risk management in this …
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Comparison of Logistic Regression and Classification Trees to Forecast Short Term Defaults on Repeat Consumer Loans
… comparison between two popular contemporary consumer loan credit scoring techniques, namely logistic regression and classification trees. Literature has shown logistic regression to perform better than classification trees in terms of predictiveness and robustness when forecasting consumer …
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The impact of accessibility of vehicle loans on vehicle ownership in Singapore
In recent years, consumer loans have steadily become one of the largest types of loans made in the financial market, and amongst the types of consumer loans available, vehicle loans have gained considerable attention due to the increase in demand for vehicles as the vehicle becomes a mass consumer …
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Africa’s National Development Banks: Lessons from Côte d’Ivoire and Rwanda
… most to access credit, particularly long-term loans, which NDBs specialise in offering. Though NDBs have featured prominently in academic and policy debates over the past decade, their function and impact in Africa are insufficiently investigated. This research project addresses this gap in the …
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Three essays on banking
… growth on performance hold for subcategories of loans and are particularly strong for real estate loans and consumer loans. That these results are muted for smaller banks may be due to their limited sources of funding. The second essay explores whether market discipline is effective in the …
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The probability of Chinese mortgage loan default and credit scoring
Credit scoring is broadly applied in consumer lending especially in credit cards and mortgages. Credit scoring has not been widely used in business lending because business loan differ substantially across household borrowers, making it more difficult to build up an accurate scoring method. …
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Essays on Sovereign Risk and Banking
… redistribution: state-pwned banks increase loans in politically competitive provinces with a current mayor aligned with the ruling party but reduce it in similar provinces with a current mayor from opposition.this effect only exists in corporate lending as opposed to consumer loans, …
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Essays on the Economics of Debt, Default and Housing Markets
… credit registry data with the universe of all consumer loans originated by banks in the country from 2013 to 2019, the chapter documents high borrowing interest rates, which vary systematically with individual characteristics. In particular, even after controlling for several observable …
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Organizational Decision-making in the Age of Big Data and Artificial Intelligence
… with AI systems. Using credit authorization for consumer loans as our specific context, I conduct an economic experiment with a repeated round design to investigate how organizations can create business value from the new human–machine collaborative decision-making paradigm. This study …
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Three essays on securitisation
… home equity lines of credit, and other consumer loans. Securitisations of all other types of assets, on the other hand, seem to have no significant impact on bank credit-risk taking behaviour. We attribute these results to the recourse commonly provided in securitisation transactions, as …
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Předluženost českých domácností, její dopady a způsoby prevence
… methods. There are theories of education and consumerist society theories applied as basic theoretical concepts. The thesis analyses the scope and the over- indebtedness ways in the Czech Republic, it describes the causes and the implications of over- indebtedness of households and …