The paper regards problems of risk estimation in consumer lending and credit scoring. Econometric bivariate probit models estimated on GGS data are used to evaluate risk of having bank debt on condition that household have bank loan. The results allow profiling safe and unsafe borrowers....

In this article, we analyse the differences in the perception of the poverty line between rural and urban settlements in the Russian Federation. We show that although the level of absolute poverty increases as the size of the settlement decreases, the level of subjective poverty moves in the...