Results 11 to 20 of about 21,730 (266)
Journal of Financial Economics, 2018 Abstract Powerful politicians can interfere with the enforcement of regulations. As such, expected political interference can affect constituents’ behavior. Using rotations of Senate committee chairs to identify variation in political power and expected regulatory relief, we study powerful politicians’ effect on consumer lending to communities ...
Pat Akey +2 more
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Loan to Value Ratio, KPR and KPA in Indonesia
JDE (Journal of Developing Economies), 2023 The COVID-19 pandemic that occurred at the beginning of 2020 has caused economic growth to decline in many countries, including Indonesia. One of the steps taken with the aim of economic recovery is by increasing the consumption in credit channels or non-
Novrianti Putri ardely, Mahjus Ekananda
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Heliyon, 2023 The growing economic uncertainty makes consumers realize the importance of financial preparedness and management ability. Based on the U.S. National Financial Capability Study dataset from 2009, 2012, 2015, and 2018, this study explores the nexus between
Fuzhong Chen, Di Yu, Zijun Sun
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Pre-Agreement Assessment as a Responsible Lending Tool in South-Africa, the EU and Belgium: Part 2
Potchefstroom Electronic Law Journal, 2018 Responsible lending has become a very pertinent issue on the agenda of credit regulators across the globe who seek to combat the causes of consumer over-indebtedness.
Corlia M van Heerden, Reinhard Steennot
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Consumers and Credit Disclosures: Credit Cards and Credit Insurance [PDF]
Federal Reserve Bulletin, 2002 Under the Truth in Lending Act, the Federal Reserve has the responsibility for writing the implementing rules, which it has carried out with its Regulation Z. Because this law is so critical for federal consumer protection policy in the credit area and because it imposes significant compliance costs on creditors, questions have been raised about ...
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Pre-agreement assessment as a responsible lending tool in South Africa, the EU and Belgium :Part 1
Potchefstroom Electronic Law Journal, 2018 Responsible lending has become a very pertinent issue on the agenda of credit regulators across the globe who seek to combat the causes of consumer over-indebtedness.
Corlia Maritha van Heerden +1 more
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Analisis Perilaku Konsumen Dan Keamanan Kartu Kredit Perbankan
Jurnal Perbankan Syariah, 2020 This paper discusses consumer behavior and banking credit card security. Credit cards are present as one of the non-cash payment methods that simplify business and financial matters so that many consumers use them.
Decky Hendarsyah
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Valuating consumer credit portfolios
Latin American Journal of Central Banking, 2022 This paper proposes a model that associates borrower credit risk with the cash flow method to assess the economic value of a consumer credit portfolio.
Pedro Piccoli
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The American consumer: a financial portrait
PSL Quarterly Review, 2014 In March 1957, the Federal Reserve published the results of a broad study of the role of consumer instalment credit in the American economy. Because of its nature, the study is most valuable for the insight it provides into the nature, growth and ...
H.H. LANDSBERG
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Credit Card Fraud Detection Using LSTM Algorithm
Wasit Journal of Computer and Mathematics Science, 2022 With the rapid growth of consumer credit and the huge amount of financial data developing effective credit scoring models is very crucial. Researchers have developed complex credit scoring models using statistical and artificial intelligence (AI ...
Yanash Azwin Mohmad
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