May 24, 2025

Past research has primarily worried about determining the factors that affect new behavior out of borrowers and you can loan providers

Tuesday, 25 June 2024 by

For the borrower front, hard suggestions issues particularly intercourse (Barasinska 2009), many years, battle, physiological has actually (Sydnor and you will Pope 2009; Pope and you may Sydnor 2011), mortgage dimensions, debtor economic things (Collier and Hampshire 2010), credit scores, mastercard have fun with, and you can borrower details (Lin mais aussi al. 2009; Lin 2009; Serrano-Cinca et al. 2015) dictate if the individual commonly standard towards a loan. Plenty of softer guidance situations such as for example social networks (Lin mais aussi al. 2009; Lin 2009), affiliation that have reputable organizations (Lopez 2009; Lopez et al. 2009) and you may societal financing (Greiner and you may Wang 2009; Lin 2012; Zhang mais aussi al. 2017) and dictate new success rate out of that loan, the loan rate of interest, and default conclusion.

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