The primary objective of the study is to classify the defaulters and non-defaulters of auto loans based on their specific personality traits, viz., ‘money attitude' and ‘income dimensions'. However, the aim is not only to classify, but also to understand the root of the defaulter behavior....

We propose an econometric model for predicting the share of bank debt held by bankrupt firms by combining a novel set of firm-level financial variables and macroeconomic indicators. Our firm-level data include payment remarks in the form of debt collections from private agencies and attachments...