Enhancing credit scoring accuracy with a comprehensive evaluation of alternative data. [PDF]
Hlongwane R, Ramaboa KKKM, Mongwe W.
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The power of bridging decision scales: Model coupling for advanced climate policy analysis. [PDF]
Filatova T +19 more
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Digital twin and fuzzy framework for supply chain sustainability risk assessment and management in supplier selection. [PDF]
Hezam IM +4 more
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Effects of Interventions to Improve Access to Financial Services for Micro, Small, and Medium-Sized Enterprises in Low- and Middle-Income Countries: An Evidence and Gap Map. [PDF]
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The impact of credit accessibility and information communication technology on the income of small-scale sugarcane farmers in Ndwedwe Local Municipality, KwaZulu-Natal Province, South Africa. [PDF]
Zulu NS +5 more
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A simple, statistically robust test of discrimination. [PDF]
Gaebler JD, Goel S.
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Biases in Appraising Creditworthiness
International Journal of Bank Marketing, 1992In the mid 1970s two psychologists, Kahneman and Tversky, isolated three major aspects of heuristics which induce biases in our decisions, which they termed as: (1) representativeness, (2) availability and (3) anchoring. An example of the bias within the representativeness heuristic is the underutilization of base rates.
Bala Shanmugam, Philip Bourke
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Creating Creditworthiness through Reciprocal Trade
Review of International Economics, 2003The paper investigates how barter can be used to finance imports and restore the creditworthiness of highly indebted countries when reputation as an enforcement mechanism for credit repayment does not work. The authors argue that payments in goods can be used to collateralize a trade credit and thus improve the creditor's incentives to pursue ...
Marin, Dalia, Schnitzer, Monika
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Effects of Household Creditworthiness on Mortage Refinancings
The Journal of Fixed Income, 1997Using a unique loan level data set that links individual household credit ratings with property and loan characteristics, we test the extent to which homeowners' equity and credit ratings affect the likelihood that mortgage loans will be refinanced as interest rates fall.
S. Peristiani +4 more
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Creditworthiness and Country Risk
1991Rapid growth of external indebtness has focused attention on the problem of external creditworthiness or debt servicing capacity. External creditworthiness is the total amount of external loans, which debtor country can borrow and pay back in the agreed time from its future currency earnings.
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