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Responsible and sustainable lending by Financial Institutions: A literature Review
Финансы: теория и практика, 2023 The subject of the study is to use an extensive literature review to evaluate how academic research on corporate social responsibility (CSR) is developing. The journals and papers in the ISI Web of Science, SCOPUS, and Taylor&Francis databases served
S. Sachdeva, L. Ramesh
doaj +2 more sources
Responsible Lending in Banks of the Baltic States [PDF]
Journal of Systemics, Cybernetics and Informatics, 2013 The aim of this article is to clarify basic principles of responsible lending in lending agreements between banks and individuals in Latvia, as well as in the existing legislation in the Baltic States that regulates this process.
Jana Erina, Ingars Erins
doaj +1 more source
Perspectives on the South African Responsible Lending Regime and the Duty to Conduct Pre‐agreement Assessment as a Responsible Lending Practice [PDF]
International Insolvency Review, 2015 AbstractIn the 2001 INSOL International Consumer Debt Report: Report of Findings and Recommendations, the view was held that the solution to overspending and over‐indebtedness is inter alia to be found in the idea that prevention is better than cure. Ex ante responsible lending practices as preventative measures to avoid reckless credit granting and ...
Van Heerden, C.M. (Corlia) +1 more
exaly +3 more sources
Journal of Consumer PolicyAbstractOn 18 October 2023, the EU adopted the long-awaited New Consumer Credit Directive. This directive will replace the 2008 Consumer Credit Directive which has been criticized for two main reasons. First, the information paradigm of consumer protection reflected in the directive has been widely regarded as incapable of protecting consumers against ...
Olha Cherednychenko
exaly +3 more sources
COVID-19 and lending responses of European banks
Journal of Banking & Finance, 2021 This paper examines how European banks adjusted lending at the onset of the pandemic depending on their local exposure to the COVID-19 outbreak and capitalization. Using a bank-level COVID-19 exposure measure, we show that higher exposure to COVID-19 led to a relative increase in worse-capitalized banks' loans whereas their better-capitalized peers ...
Dursun-de Neef, Özlem +1 more
openaire +3 more sources
Responsible Sovereign Lending and Borrowing [PDF]
SSRN Electronic Journal, 2010 Sovereign debt problems were once thought to be a third world affliction. They still are. But as events of the last two years have shown, undisciplined sovereign borrowing - and the complacent lending that it requires - is not exclusively a third world problem.
Gulati, Mitu, Buchheit, Lee C.
openaire +2 more sources
Post National Credit Act reckless lending in the South African banking industry [PDF]
Public and Municipal Finance, 2017 One of the main aims of the National Credit Act (NCA) of 2005 in South Africa is to curtail rising consumer over-indebtedness by encouraging credit providers to adopt responsible lending practices. This research study seeks to ascertain whether the NCA’s
Stephen Migiro
doaj +1 more source
Responsible Credit Risk Assessment with Machine Learning and Knowledge Acquisition
Human-Centric Intelligent Systems, 2023 Making responsible lending decisions involves many factors. There is a growing amount of research on machine learning applied to credit risk evaluation.
Charles Guan +4 more
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Responsible Lending Policy of Green Investments in the Energy Sector in Poland
Energies, 2021 The paper concerns the issue of responsible involvement of commercial banks in Poland in green financing of the energy sector. The main reason for undertaking this topic is the observed increased interest of domestic banks in green financing of ...
Irena Pyka, Aleksandra Nocoń
doaj +1 more source
A Credit Score System for Socially Responsible Lending [PDF]
Journal of Business Ethics, 2014 Ethical banking, microfinance institutions or certain credit cooperatives, among others, grant socially responsible loans. This paper presents a credit score system for them. The model evaluates social and financial aspects of the borrower. The financial aspects are evaluated under the conventional banking framework, by analysing accounting statements ...
Gutiérrez-Nieto, Begoña +2 more
openaire +4 more sources