Student loans and credit card loans represent important components of young households’ portfolios in the United States. While default rates on credit card debt are at historically low levels, default rates on student loans have increased significantly in recent years. There are important institutional differences between bankruptcy arrangements and default consequences in the two markets, whic...

Obviously, numerous famous brands come from industrial clusters, which become the main motive force to promote regional development. It indicates that the industrial cluster environment can promote brand development. This paper will study industrial clusters from the brand perspective, through reviewing the classification of industrial clusters, put forward the new classification of industrial ...

To stand up for the brands they support, members of brand communities develop “oppositional brand loyalty” towards other rival brands. This study identifies how the interaction characteristics of brand community affect the perceived benefits of community members, and whether the perceived benefits cause members to develop community commitment, as well as the relationship between community commi...

Current discussions of brand personality refer to a personified brand image, that is, a brand image that can possess any attributes of consumers, rather than brand personality. From a conceptual and methodological critique of the literature, this paper applies the definition of personality to brand personality, and tests the idea using a peer-rating methodology which focuses on each individual’...

This study employed Aaker's brand personality framework to empirically investigate the personality of denim jeans brands and to examine the impact of brand personality on consumer satisfaction and brand loyalty based on data collected from 474 college students. Results revealed that the personality of denim jeans brands can be described in six dimensions with 51 personality traits: attractivene...

expert systems can help to build banks customers' credit scoring models. here, selection of key features of the credit scoring is important. also, it is possible to express the features values as fuzzy. the problem is how to improve features selection by genetic algorithm, in way that these features can be employed as input in fuzzy expert system. this paper presents a hybrid credit scorin...

the study was designed to investigate the comparative analysis of agricultural credit users and non-users among cassava farmers in ohafia local government area of abia state. a sample of 50 credit users and 50 non-credit user cassava-based farmers were selected by multistage random sampling technique. data were collected with a well structured questionnaire administered to a total of 100 random...

the issuing of credit cards by banks and other financial and credit institutions is a new experience in iran. the compatibility of credit cards with islamic rules and islamic banking and establishment of a legal structure for maintaining security for such cards, avoiding frauds and settling relating disputes is one of the most challenging issues of the iranian legislation. as the issuance and u...

Brand image is a key component of customer-based brand equity, and refers to the associations a consumer holds in memory. Such associations are often directional; one should distinguish between brand-to-attribute and attribute-to-brand associations. Information on these associations arise from two ways of collecting data, respectively: brand-by-brand evaluations of all attributes and attribute-...

Background. Brand Personality (BP) is one of the most commonly used concepts in marketing literature, and academicians and marketers believe in its benefits. Today, brand personality plays an important role in strategic management and it is considered as one of the most important tactics of an organization to gain a Competitive Advantage (CA). Objectives. This paper aims to investigate the fac...