Background In consumer lending, portfolio managers typically have access to a scorecard used to forecast default probability for each applicant. Scorecards are built using historical data on loan accounts and their respective performance data. The inputs into the scorecard include financial, demographic and other personal information about each applicant. The output of the scorecard is a real-v...

purpose: the aim of the present study is to identify the variables that influence the willingness of villagers to get loans for the process of structural modefication and rehabilitation of housing and also ranking of these variables methodology: this study is an applied research and it used correlational descriptive - analytic method for analysis. for characterizing data, spss software was used...

Women play a signi cant and crucial role in agricultural development and allied  elds. This paper presents a potentially effective empowerment strategy for women, using Backyard poultry as a case-study. The empowerment of women is the key issue in protecting women’s interests. The rural women folk were provided with desi poultry birds, inputs and capacity building to strengthen their liveliho...

This project attempts to predict the interest spread of a property loan based on the borrower and property related attributes. Each attribute can be regarded as a potential feature. The problem is how to predict the spread accurately based on those features. This report describes our approaches of using linear and segmented linear models as well as other clustering methods. The comparative resu...

In this paper, we present the design, implementation and evaluation of intelligent methods that assess bank loan applications. Assessment concerns the ability/possibility of satisfactorily dealing with loan demands. Different loan programs from different banks may be proposed according to the applicant’s characteristics. For each loan program, corresponding attributes (e.g. interest, amount of ...

Abstract. We consider a controlled system of differential equations modeling a firm that takes a loan in order to expand its production activities. The objective is to determine the optimal loan repayment schedule using the variables of the business current profitability, the bank’s interest rate on the loan and the cost of reinvestment of capital. The portion of the annual profit which a firm ...

The paper studies the bank’s lending decision, based on three observed phenomena: Banks earn substantial profits from off-balance sheet activities and services, which they take into account in their lending decisions. Secondly, the critical point in the customer relation is the loan decision: the probability of the customer staying with the bank is a function of the loan extended each time one ...

This paper explores the determinants of people’s decisions to take 401(k) loans. We argue that 401(k) plans do not simply represent retirement saving, but they also provide a means of saving for precautionary purposes. We model factors that rationally would induce people to borrow from their pension plans, and we explain why people do not often use 401(k) loans to replace their more expensive c...

This paper studies whether banks charge higher or lower interest rates on loans to firms with overconfident CEOs. It establishes a theoretical model to show the relationship between the loan rate and overconfidence of the borrowing firm’s CEO. It also conducts empirical analyses to test the predictions of the model. As predicted in the model, firms with overconfident CEOs enjoy lower loan rates...