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Machine learning predictivity applied to consumer creditworthiness

Aniceto, Maisa Cardoso; Barboza, Flavio Luiz de Moraes; … - In: Future Business Journal 6 (2020) 37, pp. 1-14

Credit risk evaluation has a relevant role to financial institutions, since lending may result in real and immediate losses. In particular, default prediction is one of the most challenging activities for managing credit risk. This study analyzes the adequacy of borrower's classification models...

Persistent link: https://www.econbiz.de/10012429706

Audit expectation gap : an empirical analysis

Olojede, Paul; Erin, Olayinka Adedayo; Asiriuwa, Osariemen - In: Future Business Journal 6 (2020) 10, pp. 1-12

The financial debacles that occurred in the companies like Enron, WorldCom, and Xerox in the USA, Lehman Brothers, Polly Peck in the UK and African Petroleum Plc., Cadbury Plc., in Nigeria had created public distrust with the auditors. The era when the auditor will say "trust me" and that being...

Persistent link: https://www.econbiz.de/10012308322

Optimal bankruptcy regime4da literature review

Puchakayala, N. V. V. Satyanarayana; Veluchamyv, Ramanujam - In: Future Business Journal 9 (2023), pp. 1-10

An optimal bankruptcy regime is one which avoids taking/giving loans during financial crisis, provides a provision for … understanding the concept of optimal bankruptcy regime and its determinants in terms of merits and demerits. The study is purely of … qualitative nature followed by the method of synthesis of 50 previous studies. The study concludes that the optimal bankruptcy …

Persistent link: https://www.econbiz.de/10014381632

Repercussion of financial distress and corporate disclosure on the valuation of non-financial firms in India

Bhimavarapu, Venkata Mrudula; Rastogi, Shailesh; … - In: Future Business Journal 9 (2023), pp. 1-19

Distressed companies create panic among the investors, and the overall effect comes on the economy and leads to a degraded image and value of the companies. Transparency and disclosure involve disclosing the operational as well as the financial performance and corporate governance practices...

Persistent link: https://www.econbiz.de/10014381897

Do financing institutions consider operating performance in estimating cost of debt?

Miah, Muhammad Shahin; Islam, Mohammad Ariful; Amir, … - In: Future Business Journal 9 (2023) 1, pp. 1-11

This paper examines the relationship between firm performance and cost of debt. More specifically this paper empirically shows that fund providers charge lower cost on debt for highly performing companies compared to lower performing companies. We argue that the profitable companies are more...

Persistent link: https://www.econbiz.de/10014505353