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Niwan Wattanakitrungroj, Pimchanok Wijitkajee, Saichon Jaiyen, Sunisa Sathapornvajana and Sasiporn Tongman
For the financial health of lenders and institutions, one important risk assessment called credit risk is about correctly deciding whether or not a borrower will fail to repay a loan. It not only helps in the approval or denial of loan applications but a...
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Kamakshi Sharma, Tusharika Mahna, Sonali Jain, Sanjay Dhir, Neeta Rao, Achin Biyani, Himanshu Sikka, Rishit Yadav, Sidharth Dua and Archish Gupta
A partial risk guarantee (PRG) is one of the critical instruments in the blended finance approach that provides partial assurance to the risk investor to lend leveraged capital to the borrower. Under the PRG scheme, philanthropic capital is employed as a...
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Lkhagvadorj Munkhdalai, Keun Ho Ryu, Oyun-Erdene Namsrai and Nipon Theera-Umpon
Credit scoring is a process of determining whether a borrower is successful or unsuccessful in repaying a loan using borrowers? qualitative and quantitative characteristics. In recent years, machine learning algorithms have become widely studied in the d...
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Nomaphelo Soga,Lawrence Obokoh,Darlington P. Onojaefe,Wilfred Isioma Ukpere
Pág. 76 - 90
The risk that a borrower may not fulfill his/her borrowing obligation presents the credit owner (lender) a default risk management opportunity to maximize the risk-adjusted rate of return and to maintain minimum exposure to default associated cost. ...
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Olga Ovchelupova
Pág. 106 - 114
The article is devoted to the study of theoretical and methodological bases and the development of practical recommendations for assessing the creditworthiness of a borrower of a commercial bank. The subject of the study is a set of theoretical, methodol...
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Giuseppe Orlando and Roberta Pelosi
Within bank activities, which is normally defined as the joint exercise of savings collection and credit supply, risk-taking is natural, as in many human activities. Among risks related to credit intermediation, credit risk assumes particular importance....
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Tianlei Pi, Yaosen Liu and Jiahui Song
Background: Online lending has developed rapidly in China in recent years, into a typical Internet financial model. China?s online lending related issues have received widespread attention from scholars. Methods: This study used 396,634 order data-points...
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Shazma Razzaq, Nadeem Maqbool, Waseem Ul Hameed (Author)
Pág. 46 - 53
Purpose of the study: Microfinance institutions (MFIs) are delivering various services of microcredit, savings as well as insurance. The key objective of microcredit is to decrease the poverty level and for empowering the women as well as other poor peop...
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Spyridon Arvanitis
Pág. 94 - 98
Peer-to-peer (P2P) lending allows primarily unsecured personal loans to be made between any two or more parties rather than requesting a loan strictly through a financial institution. In a decentralized P2P lending system, using digital blockchain techno...
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Embun Suryani
Pág. 1 - 9
This study aims to examine how the relationships between a borrower and his potential lender affect the decisions of potential lender whether or not to provide or extend funds to the borrower. The author explores the available literature and original fie...
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