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...

Private consumption is the largest component of Gross Regional Domestic Product (GRDP) contributor, as well as Sumatera Utara Province GRDP by 60% contributed by household consumption. Many factors influence the level of public consumption both macro and micro factors. This research aims to...

Credit risk has been identified as the main risk that can result in the failure of a bankdue to ineffective credit decisions. It is, therefore, critical for the banks to conduct creditrisk assessment on new applicants and existing customers in order to determine thelevel of affordability and...