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Presumption of Creditworthiness
SSRN Electronic JournalCreditworthiness, or the likelihood that one will repay one’s debts, is typically signaled through a three-digit number known as a credit score. Yet, over thirty-two million adult-aged consumers lack adequate consumer credit reports and therefore do not have a traditional credit score.
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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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Doxastic Justification and Creditworthiness
2022Philosophers traditionally distinguish between having justification for believing a certain proposition and believing this proposition with justification (Silva and Oliveira, forthcoming). They call the former propositional justification and the latter doxastic justification. The relevance of this distinction is beyond doubt. The difficulty arises when
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Intangibles in the Assessment of Creditworthiness
2016The entry into force of the Basel II capital adequacy of banks, was accompanied by the adoption of more sophisticated systems for assessing the creditworthiness of companies. The Committee on Banking Supervision, in response to the globalization of the financial market, deemed that there was a need to ensure the stability of the banking system and to ...
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An e-commerce-oriented creditworthiness service
Service Oriented Computing and Applications, 2014A dedicated creditworthiness service is required for e-commerce trades to be conducted as with credit in traditional trades. Compared with traditional trades, e-commerce trading provides users with rich information and comments on the products and vendors, albeit sometimes bedevilled with false and fallacious information. Based on this observation, the
Zhanxin Ma, Yinsheng Li, Feng Zhou
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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 as a signal of trustworthiness [PDF]
, 2010 Creditworthiness and trustworthiness are almost synonyms since the act of conferring a loan has the indirect effect of signaling the trustworthiness of the borrower. We test the creditworthiness-trustworthiness nexus in an investment game experiment on a sample of participants/non participants to a microfinance program in Argentina and find that ...
Becchetti, Leonardo, Conzo, Pierluigi
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Evaluation of an Individual's Creditworthiness
2023 3rd Asian Conference on Innovation in Technology (ASIANCON), 2023Aditya Wanjale +4 more
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Assessing Sovereign Creditworthiness
The study guide “Methodologies for Assessing Sovereign Creditworthiness” focuses on the specific methodologies employed by the international rating agencies Moody’s and S&P Global to assess the probability of default by sovereign borrowers to private creditors.openaire +1 more source