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Responsible Lending : Overview of Regulatory Tools [PDF]
, 2013 This paper provides an overview of key regulatory actions a government may implement to support responsible lending.
Prouza, Tomáš
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Psychological Science, 2006
Social contact promotes enhanced health and well-being, likely as a function of the social regulation of emotional responding in the face of various life stressors. For this functional magnetic resonance imaging (fMRI) study, 16 married women were subjected to the threat of electric shock while holding their husband's hand, the hand of an anonymous ...
James A, Coan +2 more
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Social contact promotes enhanced health and well-being, likely as a function of the social regulation of emotional responding in the face of various life stressors. For this functional magnetic resonance imaging (fMRI) study, 16 married women were subjected to the threat of electric shock while holding their husband's hand, the hand of an anonymous ...
James A, Coan +2 more
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Responsible Borrowing and Lending in the UK
2019The UK has generally had a relatively ‘light touch’ regulatory framework for consumer credit, with the onus on the individual to behave responsibly when taking out unsecured loans. Concerns have however recently grown regarding the provision of short-term, high-cost credit, with the actions of the lending institutions frequently labelled as ...
Gardner, JS +2 more
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The anterior cingulate cortex lends a hand in response selection
Nature Neuroscience, 1999The anterior cingulate cortex is involved in decisions between conflicting response tendencies. This executive function seems to involve separate pathways for manual and verbal responses.
E, Awh, W J, Gehring
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Escalation and the diffusion of responsibility: A commercial lending experiment
Journal of Business Research, 1996Abstract Prior research investigating the commitment to a failing course of action (escalation) has identified several influences that can exacerbate or mitigate these decision biases (Brockner, 1992). Commercial lending provides an example of a situation in which the competing influences of personal identification with a project and blame for ...
Linda V. Ruchala +2 more
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Need for speed: The lending responsiveness of the IMF
The Review of International Organizations, 2016How responsive a lender is the International Monetary Fund (IMF)? In this paper, I introduce new data on IMF loan approval periods: The days that transpire between when a borrower submits a “Letter of Intent” to the Executive Board requesting a loan and when the Board approves that request. The data reveal considerable variation across requests.
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A Corporate Social Responsibility Analysis of Payday Lending
SSRN Electronic Journal, 2017AbstractIn this article, we use a corporate social responsibility (CSR) framework to analyze the payday loan industry by critically examining its practices from an economic, legal, and ethical perspective. Payday loans are essentially a very high cost, unsecured, short‐term personal loan.
Mark S. Schwartz, Chris Robinson
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Responsible Lending Framework in Georgia: Challenges and Solution Methods
Economics and Business, 2022თანამედროვე ეტაპზე საქართველოს ეკონომიკის ფინანსური სტაბილურობის ერთ–ერთ უმნიშვნელოვანეს გამოწვევას კერძო სექტორის ვალის ტვირთის ჭარბი და, ამავდროულად, სწრაფი ზრდა წარმოადგენდა. ეს ფაქტორი, როგორც ცნობილია, მსესხებლის გადახდისუნარიანობის რისკებს საგრძნობლად ამწვავებს, რაც, თავის მხრივ, არა მარტო მსესხებლის დეფოლტის რისკს, არამედ მთლიანად ქვეყნის ...
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Usury and the Church: A Christian Response to Payday Lending
SSRN Electronic Journal, 2011A recent study by Christopher Peterson & Steven Graves found that “payday” lenders are more prevalent in conservative Christian areas. This paper offers a supplement to Peterson & Graves findings by adding to the discussion the perspective of the Christian churches, located both inside and outside of the areas implicated in the study, on the issue of ...
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FEATURES OF THE IMPLEMENTATION OF THE RESPONSIBLE LENDING POLICY
2023Introduction. Responsible lending is a new term in financial science. It is a set of principles that the creditor must follow in order to provide the borrower with the opportunity to make a balanced and considered decision. The purpose of the article is to study the features, principles and process of implementing responsible lending based on world ...
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