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Intelligent agents in electronic markets for information goods:customization, preference revelation and pricing
Aron, Ravi; Sundararajan, Arun; Viswanathan, Siva - 2005
Electronic commerce has enabled the use of intelligent agenttechnologies that can evaluate buyers, customize products, and price inreal-time. Our model of an electronic market with customizable productsanalyzes the pricing, profitability and welfare implications ofagent-based technologies that...
Persistent link: https://www.econbiz.de/10009435055
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An evaluation of the South African National Credit Act and the implications for credit users
Luttig, Helmuth Hartwig - 2010
ENGLISH ABSTRACT: The National Credit Act came into being on the 1st of June 2007 and besides its other objectiveswas intended to make credit more accessible to all South Africans, to stop unreasonable practicesby lenders and to protect consumers against reckless lending. This research study...
Persistent link: https://www.econbiz.de/10009442165
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Elasticities of Demand for Consumer Credit
Karlan, Dean S.; Zinman, Jonathan - 2005
The price elasticity of demand for credit has major implications for macroeconomics, finance, and development. We present estimates of this parameter derived from a randomized trial. The experiment was implemented by a consumer microfinance lender in South Africa and identifies demand curves...
Persistent link: https://www.econbiz.de/10009444167
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Pengaruh Variabel Makro Terhadap Pengeluaran Konsumsi Masyarakat Kabupaten/Kota Di Provinsi Sumatera Utara
Simamora, Darwinto Edwinto H. - 2011
Bank Indonesia Medan from 2002 to 2009. Model analysis used is Random Effect Model (REM) with estimation method Generalized …
Persistent link: https://www.econbiz.de/10009464679
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The impact of inaccurate credit information on bank's secured lending
Mtimkulu, Z. M. - 2009
the consequences of inaccurate creditinformation on bank’s secured lending division. The investigation was conducted … that banks are faced with. It wasfound that inaccurate consumer credit data can have a negative impact on bank … are also recommended as the focus of thisresearch was on individual bank’s clients. …
Persistent link: https://www.econbiz.de/10009457727
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Administration of recoveries in individual insolvency - case studies of two UK banks
Pond, Keith - 2002
Against a background of greater competition, market saturation and falling margins over the past decade UK banks have sought greater efficiencies in credit and risk assessment procedures, especially with personal lending products. In the same way they have attempted to reduce costs associated...
Persistent link: https://www.econbiz.de/10009461193
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The value of the banker-customer relationship: experience of individual voluntary arrangements
Pond, Keith - 2000
Over the last ten to fifteen years, and in response to the huge growth in demand for unsecured consumer credit, UK banks have reviewed, automated, de-skilled and streamlined traditional credit assessment techniques. In pursuit of margin and market share, today’s due diligence relies...
Persistent link: https://www.econbiz.de/10009461196
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Analisis Pengaruh Suku Bunga, Pendapatan Per Kapita, dan Tenaga Kerja Terhadap Kredit Konsumsi pada Bank Umum Di Sumatera Utara
Resti, Setiyo - 2011
The purpose of this study was to analyzethe effect of consumer loans at commercial Banks in North Sumatera in the period for 15 years from 1995-2009. The independent variables used in this study is the interest Rate, Per Capita Income, and labor.The method used in the analysis of the influence...
Persistent link: https://www.econbiz.de/10009464287
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Consumer credit crowdfunding platforms in Spain
Barahona, Ricardo; Barreira, Roi
bank lending figures. The evidence presented also shows that the risk profile of the borrowers who access this financing is …
Persistent link: https://www.econbiz.de/10013385886
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Ein Modell zur Mikrosimulation des Spothandels von Strom auf der Basis eines Multi-Agenten-Systems
Scheidt, Maximilian - 2002
Die Liberalisierung der Elektrizitätsmärkte in Europa hat zu einem deutlichen Strukturwandel der Energiewirtschaft geführt; Überkapazitäten und Wettbewerbsdruck bewirkten eine erhebliche Umorientierung in den Energieversorgungsunternehmen. Durch die zunehmende Liquidität des kurzfristigen...
Persistent link: https://www.econbiz.de/10009467406