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How explicit consumer credit information affects intent to purchase on credit: an experiment
International Journal of Bank MarketingPurposeConsumer culture is promoting immediate gratification, and the rise of digital financial services is increasing the risk of indebtedness while debt reduces well-being and affects mental health.
Kristjan Pulk, Leonore Riitsalu
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Civil Law Liability of Debtors in Credit Agreements with Individual Guarantees
Journal of Law, Politic and HumanitiesCredit agreements with personal guarantees often cause legal problems when the debtor defaults. Individual guarantees cannot be bound with a mortgage instrument or fiduciary guarantee, thus increasing the risk for banks.
Karuna Dewi, I Gede Agus Kurniawan
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European Journal of Operational Research, 2019
An advance-cash-credit (ACC) payment scheme is commonly used in business transactions. For instance, a contractor usually demands that a customer prepay 10% of the total cost (i.e., an advance payment) when a letter of agreement is signed to install a ...
Ruihai Li +3 more
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An advance-cash-credit (ACC) payment scheme is commonly used in business transactions. For instance, a contractor usually demands that a customer prepay 10% of the total cost (i.e., an advance payment) when a letter of agreement is signed to install a ...
Ruihai Li +3 more
semanticscholar +1 more source
Determination of an Optimal Revolving Credit Agreement
The Journal of Financial and Quantitative Analysis, 1973Most large companies develop formal or informal agreements with banks to cover anticipated seasonal or temporary cash needs and/or to provide assurance of the availability of funds against unanticipated cash requirements. We address the problem of determining the optimal limits of available funds a company should maintain under a revolving credit ...
Paul D. Berger, William K. Harper
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Renegotiation of Financial Contracts: Evidence from Private Credit Agreements
SSRN Electronic Journal, 2008Using a large sample of private credit agreements between US publicly traded firms and financial institutions, we show that over 90% of long-term debt contracts are renegotiated prior to their stated maturity. Renegotiations result in large changes to the amount, maturity, and pricing of the contract, occur relatively early in the life of the contract,
Michael R. Roberts, Amir Sufi
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Insurance Covenants in Corporate Credit Agreements
SSRN Electronic Journal, 2018ABSTRACTIn a large sample of private credit agreements of publicly traded firms, nearly all agreements contain at least a boilerplate provision requiring the borrower to purchase insurance. In about 80 percent of the agreements, the insurance covenant is more explicit. Four additional features of the insurance covenant are quite common: requirements of
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Articulation Agreements: No Credits Left Behind
Issues in Accounting Education, 2012ABSTRACTArticulation agreements, designed to facilitate transfer of credit between educational institutions, have been a part of the educational landscape for decades. Recent developments have highlighted the value and importance of articulation agreements as they relate to the transfer of accounting course credits, primarily the Principles of ...
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How Much Credit for Export Credit Support Under the SCM Agreement?
Journal of International Economic Law, 2008This contribution examines the degree of policy space the WTO leaves its Members to support export credits for non-agricultural goods. In the light of existing case law, it illustrates that export credit support offered by export credit agencies that aims at complementing the private trade finance market would in principle be prohibited under the SCM ...
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