Abstract Subject and purpose of work: The present paper assesses the loan utilisation repayment behaviour loanee or indebted farmers in Haryana, India. Materials methods: study was conducted Haryana state. is based on primary data that have been collected through schedules from a sample 600 farmers. Proportionate sampling employed. Further, percentage used for analysis. Results: found about hal...

Individuals frequently transfer commodities without an explicit contract or an implicit enforcement mechanism. We design an experiment to study whether such commodity transfers can be viewed as investments based on trust and reciprocity, or whether they rather resemble presents with distributional intentions. Our experiment essentially modi®es the investment game of Berg, Dickhaut, and McCabe (...

It is well known that conflicts of interests between borrowers and creditors can raise the cost of external financing. In this paper we provide new evidence that borrower-creditor conflicts of interests also affect the sensitivity of debt financing to aggregate business conditions. In the presence of incomplete contracts, creditors cannot fully observe or verify diversion of free cash flow by b...

The paper describes the process and new methodology of a hybrid prediction system for business sequential data i.e. debt portfolio appraisal. Conducting the local area competence data mining approach, repayment values are predicted by means of combination of various data mining techniques. The methods include clustering of references, model selection and enrichment of input variables with predi...