Narrow search
Showing 1 - 10 of 39,554
Cover Image
Risk-based pricing of interest in household loan markets
Edelberg, Wendy M. - 2003
Persistent link: https://www.econbiz.de/10001857372
Cover Image
Lending standards and borrowing premia in unsecured credit markets
Dempsey, Kyle P.; Ionescu, Felicia - 2021
Persistent link: https://www.econbiz.de/10012609347
Cover Image
Does Loan Maturity Matter in Risk-Based Pricing
Kuvíková, Gabriela - 2015
This paper investigates the role of loan contract terms in the performance of consumer credit. Taking advantage of a sample of accepted and rejected consumer loans from a Czech commercial bank, I estimate the elasticity of loan demand and find that borrowers with a high probability of default...
Persistent link: https://www.econbiz.de/10013022676
Cover Image
Are lenders using risk-based pricing in the consumer loan market? : the effects of the 2008 crisis
Magri, Silvia - 2018
Persistent link: https://www.econbiz.de/10011961398
Cover Image
Borrowing alternatives for households in Lithuania : current situation, trends and challenges
Taujanskaitė, Kamilė; Karklytė, Ieva - In: Business, mangagement and economics engineering : BMEE 19 (2021) 2, pp. 389-411
limitations - the empirical study relies on the country's macroeconomic indicators that influence household borrowing. Such … useful for the future research within the household borrowing trends, especially in Peer-to-Peer platforms, and specifically …/Value - household borrowing, the credit market and the P2P platforms are widely analysed by both academics and financial institutions …
Persistent link: https://www.econbiz.de/10013348705
Cover Image
Owner-occupancy fraud and mortgage performance
Elul, Ronel; Payne, Aaron; Tilson, Sebastian - 2019
Persistent link: https://www.econbiz.de/10012198422
Cover Image
Owner-occupancy fraud and mortgage performance
Elul, Ronel; Payne, Aaron; Tilson, Sebastian - 2023
Persistent link: https://www.econbiz.de/10014282221
Cover Image
Consumer debt and poverty: the default risk gap
Bertoletti, Lucía; Borraz, Fernando; Sanroman, Graciela - 2024
Persistent link: https://www.econbiz.de/10014533457
Cover Image
Consumer debt and poverty : the default risk gap
Bertoletti, Lucía; Borraz, Fernando; Sanroman, Graciela - 2024
This paper examines the disparity in default risk between vulnerable and non-vulnerable populations in consumer lending. We merge an exhaustive registry of loans granted in the financial system with microdata on vulnerable individuals applying for social programs. We estimate the sources of this...
Persistent link: https://www.econbiz.de/10014557435
Cover Image
Fed liftoff and subprime loan interest rates : evidence from the peer-to-peer lending market
Bertsch, Christoph; Hull, Isaiah; Zhang, Xin - 2016
On December 16th of 2015, the Fed initiated "liftoff," raising the federal funds rate range by 25 basis points and ending a 7-year regime of near-zero rates. We use a unique dataset of 640,000 loan-hour observations to measure the impact of liftoff on interest rates in the peer-to-peer lending...
Persistent link: https://www.econbiz.de/10011457389