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LOWER FINANCIAL LITERACY INDUCES USE OF INFORMAL LOANS
(Fundacao Getulio Vargas, 2018)
Finance literature documents associations between a family's financial literacy and its propensity to borrow. However, most studies focus exclusively on formal loan markets. Based on 2,023 observations about financial ...
Financial incentives and loan officer behavior: multitasking and allocation of effort under an incomplete contract
(EBAPE - Escola Brasileira de Administração Pública e de Empresas, 2015)
We investigate the implications of providing loan officers with a compensation structure that rewards loan volume and penalizes poor performance. Using a unique data set provided by a large international commercial bank, ...
Determinants of knowledge of personal loans' total costs: How price consciousness, financial literacy, purchase recency and frequency work together
(Elsevier Inc., 2019)
© 2018 Elsevier Inc.Politicians and analysts frequently call for stricter regulation of personal loans. Two variables that are easy to measure, and therefore easy to include in regulations and public policy, are purchase ...
Identifying the factors that affect the knowledge of mortgage loans' total cost
(Emerald, 2021)
Purpose - This study identifies the factors that affect the knowledge of mortgage loans' total cost.
Design/methodology/approach - Empirical research utilizing a survey administered through in-home interviews was ...
De la hipoteca inversa: un complemento pensionario en México
(El Autor, 2023)
Quantum credit loans
(Elsevier Science, 2021-04)
Quantum models based on the mathematics of quantum mechanics (QM) have been developed in cognitive sciences, game theory and econophysics. In this work a generalization of credit loans is introduced by using the vector ...
Modelling income contingent loans for higher education student financing in Brazil
(Faculdade de EconomiaDoutorado em EconomiaUFBAbrasil, 2019-01-29)
The effects of price transparency in OTC equity lending markets: Evidence from a loan fee benchmark
(2020-02)
We study the effects of a positive shock in price transparency in the Brazilian OTC equity lending market. Before March 1st 2011, a publicly available benchmark was computed as the average loan fee across all loan deals ...