Credit risk evaluation techniques that aid effective decisions in credit lending are of great importance to the … financial and banking industries. Such techniques assist credit managers to minimize the risks often associated with wrong … decision making. Several techniques have been developed in the time past for credit risk evaluation and these techniques suffer …

Purpose – This research seeks to explore current attitudes, motivations and behaviours in relation to student credit … contextual factors associated with the credit‐friendly environment in which students live in addition to shedding light on … student orientation towards credit and debt, with specific conclusions for future student debt. Research limitations …

Takes an initial look at ways consumers use credit and how differences in credit usage by store type may be used to …‐term relationships with customers. Using credit usage information is one way of identifying consumers’ purchasing behavior. Illustrates … how differences in retail credit usage could be used to individualize marketing efforts by retailers. Also suggests how …

the degree of credit market imperfections. Design/methodology/approach – The authors use a novel firm‐level dataset … proxy for credit‐constraints at the firm‐level. As additional proxies for the importance of credit market imperfections, we …, understanding whether credit market conditions affect the link between volatility and growth is of importance for policy makers …

Generalizes existing models of credit markets under asymmetric information. The general model accommodates the adverse … as special cases. Market equilibrium may exhibit credit rationing, while aggregate investment may be above or below the …

leaves open the possibility that bank credit, issued judiciously, might be used to extend the market and so increase an … economy’s growth rate. However, Smith’s theory of bank credit and note extension is quite conservative. Henry Dunning Macleod …, a century after Smith, made much of the potential of credit to extend the market. Notes Smith’s apparent inconsistency …

evolution of credit towards increasingly productive applications. Although Roscher′s theories were plausible, questions whether …, consumer debt, corporate takeover financing and other on‐productive uses of credit. Concludes by comparing Roscher′s ideas with …