There is much debate about the impact of personal finance education on financial knowledge, attitudes and behaviour, particularly based on studies in the U
Banks and other lenders typically request a copy of a person'scredit reportwhen they apply for some form of credit, such as a loan or credit card. Threemajor credit bureaus—Equifax, Experian, and TransUnion—issue those reports, which consist of information on individuals' credit usage, such ...
Personal consumer loans have the characteristics of “small amount, unsecured and flexible,” and the default risk cannot be quantitatively monitored through the traditional postloan behavior score. Therefore, preloan review has become an important measure to prevent credit risk. In recent years, the ...
especially multiple ones in a short period of time, can have a negative effect on yourcredit score, although usually only briefly. The reason is that lenders become concerned when someone appears to be applying for a lot of credit all at once. ...
Although the study did not estimate the effect of access to finance on employment specifically, they find that the positive impact of expanded credit on profits of SMEs is particularly large for lower initial employment to capital ratios, suggesting that these firms hired new workers when credit ...
The empirical literature suggests using the ratio of non-performing loans over total loans to measure credit risk. While to measure financial stability the bank’sz-score is used as a measure, since, it indicates the probability of bankruptcy of a bank and expresses the number of standard deviat...
Therefore, it is necessary to study the impact of EE on EI according to local conditions. Entrepreneurial self-efficacy (ESE) is the most important personal factor that has a significant impact on EI [21,39,40]. ESE is “the strength of a person to believe that he or she can ...
Although previous studies on corporate strategy and enterprise innovation have yielded many results, a consensus regarding the relationship between the two is still lacking. The purpose of this study was to empirically analyze the impact of corporate strategy on corporate innovation performance and ...
your report, which means a criminal would be unable to open an account using your personal data. Once the freeze is in place, you have to "thaw" it — either temporarily or permanently — if you apply for credit or a loan so the bank can check your credit. This is free now, as ...
significantly more likely to be asked to provide more information about their personal financials—including personal financial statements and personal W-2 forms—when applying for small-business loans than white small-business owners were, even when controlling for credit...