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Journal articles on the topic 'Lending decisions'

Author: Grafiati

Published: 4 June 2021

Last updated: 25 July 2025

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1

Manap, Abdul, Yusmita Hawari, Andriani Lubis, Eddy Sukandar, and Arko Pujadi. "The Effect of Return Expectation, Motivation, Perceived Value of Risk and Technological Progress on Investment Decision in Sharia Peer to Peer Lending." JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) 9, no. 2 (2023): 232–37. http://dx.doi.org/10.35870/jemsi.v9i2.955.

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The purpose of this research is to test and analyze the effect of perceived risk on investment decisions in Islamic peer to peer lending, test and analyze the effect of expected returns on investment decisions in Islamic peer to peer lending, test and analyze behavioral motivation on investment decisions in peer to peer sharia lending, examines and analyzes the effect of technological advances on investment decisions in sharia peer to peer lending and analyzes the simultaneous influence of perceived risk, expected return, behavioral motivation and technological advances on investment decisions

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Tarasov, A. A. "Managerial decisions in syndicated lending." UPRAVLENIE / MANAGEMENT (Russia) 11, no. 3 (2023): 61–68. http://dx.doi.org/10.26425/2309-3633-2023-11-3-61-68.

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The syndicated lending market is one of the main financing sources for the development of the Russian economy. This article is dedicated to the processes managerial decision-making within the framework of syndicated lending transactions by borrowers, lenders and investors. Thanks to the use of market tools, borrowers get the opportunity to form an optimal structure for solving various tasks of corporate finance. Taking into account the adoption of managerial decisions by borrowers, the analysis of the following options for such decisions is presented: the choice of a bank for the role of a cre

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Arseto, Dedy Dwi. "Analysis Of The Influence Of Attitudes And Perceptions On Decisions To Use Sharia Fintech Peer To Peer Lending In Indonesia With Satisfaction As An Intervening Variable." Reslaj : Religion Education Social Laa Roiba Journal 4, no. 4 (2022): 1000–1010. http://dx.doi.org/10.47467/reslaj.v4i4.1048.

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This study aims to examine the Influence of Attitudes and Perceptions on Decisions to Use Sharia Fintech Peer To Peer Lending in Indonesia. With Satisfaction as an Intervening Variable. Data analysis in this research is quantitative analysis using Partial Least Square (PLS) analysis test tool. The object of this research is Peer To Peer Lending Syariah Fintech users in Indonesia. The sample was taken using the proportioned cluster sampling method, where the sample taken was only Sharia peer-to-peer (P2P) fintech users up to 100 samples. From the results of the research conducted, it shows that

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., Purwanto, and Apriyanti . "PENGARUH PENILAIAN PEMBIAYAAN TERHADAP KEPUTUSAN PEMBERIAN PEMBIAYAAN KREDIT MOBIL PADA PT. TRIHAMAS FINANCE CABANG MADIUN." Capital: Jurnal Ekonomi dan Manajemen 1, no. 1 (2018): 16. http://dx.doi.org/10.25273/capital.v1i1.2134.

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<p>This study aimed to obtain findings about the influence eksplanitif tested financing vote against the decision to grant credit. This study uses a quantitative research design causal. The subjects were Pt. TrihamasMadiun branch and its object is the credit assessment and lending decisions are collected using a questionnaire and analyzed using multiple linear regression analysis. The results showed that the assessment of financing postitif 5C and significant influence lending decisions. </p><p><br /><strong>Keywords:</strong> Assessment of financing, lendin

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Fai, Edward Berinyuy. "Working Capital Management Practices and Lending Decisions in Microfinance Institutions. The Case of Buea Municipality in Cameroon." Journal of Tertiary and Industrial Sciences (JTIS) 5, no. 1 (2025): 11–39. https://doi.org/10.5281/zenodo.14868972.

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<strong>Abstract</strong> The study aimed at examining the effect of working capital management practices on lending decisions in Micro finance institutions in Buea municipality. The specific objectives of the study were to establish the effect of cash, account receivable and account payable management practices on lending decisions in MFIs. Primary data was collected using structured questionnaires administered to managerial staff of 31 MFIs selected through purposive sampling technique. The analysis of the results established that cash management practices and account receivable management p

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Priscilla, Felicia, and Mustaruddin Saleh. "EFFECT INFLUENCER, P2P REPUTATION AND RISK PERCEPTION TOWARDS INVESTMENT DECISIONS OF MILLENIAL IN P2P LENDING: FINANCIAL LITERACY AS A MEDIATION VARIABLE." JURNAL DIMENSI 12, no. 2 (2023): 364–87. http://dx.doi.org/10.33373/dms.v12i2.5684.

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P2P lending is a fintech innovation that makes it easier to apply for credit than banks. Many investors were tricked and faced other losses for their investment decisions in P2P lending. Therefore, this study examines the impact of Influencer, P2P reputation, and Risk Perception on Investment decisions of Millennials in P2P Lending with Financial Literacy as a mediation variable. The research conducted is focused on millennial investors. With the purposive sampling technique, there are 50 research samples obtained. The research sample is compiled by distributing the questionnaire online throug

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Pillsbury, Ceil Moran. "An Empirical Analysis Of Lending Decisions And Report Purchases Of Privately Held Middle Market Companies." Journal of Applied Business Research (JABR) 3, no. 2 (2011): 47. http://dx.doi.org/10.19030/jabr.v3i2.6531.

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Several experimental studies have found that the auditors report did not significantly influence bank lending decisions. This study employs actual data to test whether the level of reporting service influences lending decisions of Privately Held Middle Market (PHMM) companies. The results indicate that the report type significantly influences at least one critical aspect of the lending decision the amount lent. Further, the report type was found to be strongly related to the amount of collateral and the size of the company. In addition, descriptive evidence is provided on what type of reportin

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Venna Aprilian Dalentang and Is Fadhilah. "INFLUENCE OF SERVICE QUALITY AND EMPLOYEE PERFORMANCE TOWARDS CUSTOMER SATISFACTION IN USING LOAN SERVICES AT THE MANADO PAWNSHOP OFFICE." Pedagogic Research-Applied Literacy Journal 1, no. 4 (2024): 190–98. http://dx.doi.org/10.70574/yax9pd92.

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This research aims to analyze the influence of service quality and employee performance towards customers' decisions in using lending services at the Manado Pawnshop Office. This research is important considering the strategic role of Pawnshop as a financial institution that provides collateral-based lending services. Data was collected through a survey of 150 customers who used lending services at the Manado Pawnshop Office. The analytical method used is multiple linear regression analysis to measure the influence of service quality and employee performance on customer decisions. The research

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Bomprezzi, Pietro, Silvia Marchesi, and Rima Turk-Ariss. "IMF lending and firm investment decisions." Economics Letters 253 (June 2025): 112382. https://doi.org/10.1016/j.econlet.2025.112382.

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An, Byeongchan, Robert Bushman, Anya Kleymenova, and Rimmy E. Tomy. "Bank Supervision and Managerial Control Systems: The Case of Minority Lending." Finance and Economics Discussion Series, no. 2022-036r1 (April 2023): 1–55. http://dx.doi.org/10.17016/feds.2022.036r1.

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This paper investigates how bank supervisors’ enforcement decisions and orders (EDOs) influence the allocation of mortgage lending across demographic groups underlying a banks’ borrower base. Specifically, we investigate how banks’ mortgage lending to minority borrowers relative to white borrowers changes following the resolution of severe EDOs. We hypothesize that improvements in management control systems imposed by EDOs serve as channels through which EDOs affect a bank’s borrower base generally, and minority lending specifically. We empirically examine how changes in loan policies and inte

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Indra Farman. "PERANCANGAN SISTEM PENUNJANG KEPUTUSAN PEMBERIAN KREDIT PADA KOPERASI BERKAH MAKASSAR." Jurnal Publikasi Teknik Informatika 2, no. 1 (2023): 78–92. http://dx.doi.org/10.55606/jupti.v2i1.1207.

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System design support lending decisions on the cooperative Berkah Makassar.. the cooperative is one of the non-bank financial institutions in charge of providing public services in the form of loans and storage for the community. The aim of this study Designing and building decision support system application program lending cooperative Makassar blessing. Test program data processing applications using black box testing approach. These results indicate that this application can help the staff cooperative in lending to the applicant

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Candraningrat, Ica Rika, Vera Intanie Dewi, Nyoman Abundanti, Ni Wayan Mujiati, and Badaruz Zaman. "The Micro, Small and Medium Enterprises Financing Based on Financial Technology." Jurnal Ilmiah Akuntansi 7, no. 2 (2023): 329–45. http://dx.doi.org/10.23887/jia.v7i2.52715.

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Financial technology innovations that are currently developing have provided convenience for the user community in the fields of financial systems, asset management to micro and small business (MSME) financing. The long objective of this research is to optimize the Peer-To-Peer Lending financing model based on the analysis of the preferences of potential lenders in determining MSME financing decisions. This type of research is descriptive quantitative research. Sampling used purposive sampling of MSME actors throughout Bali. The data analysis technique used is logistic regression analysis. The

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Adesemoye, Oluwasola Emmanuel, Ezinne C. Chukwuma-Ek, Comfort Iyabode Lawal, Ngozi Joan Isibor, Abiola Oyeronke Akintobi, and Florence Sophia Ezeh. "A Conceptual Framework for Integrating Data Visualization into Financial Decision-Making for Lending Institutions." International Journal of Management and Organizational Research 1, no. 1 (2022): 171–83. https://doi.org/10.54660/ijmor.2022.1.1.171-183.

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In today's rapidly evolving financial landscape, lending institutions face increasing challenges in making accurate, timely, and informed decisions. Traditional decision-making processes, often based on static reports and raw data, can be slow and prone to errors, especially when analyzing vast and complex datasets. The integration of data visualization into financial decision-making offers a transformative solution by converting complex data into intuitive visual representations, making it easier for decision-makers to interpret and act upon. This presents a conceptual framework for integrati

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Uddin Ahmed, Sarwar, Samiul Parvez Ahmed, and Ikramul Hasan. "Why banks should consider ESG risk factors in bank lending?" Banks and Bank Systems 13, no. 3 (2018): 71–80. http://dx.doi.org/10.21511/bbs.13(3).2018.07.

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Why banks should be concerned about incorporating environmental, social and governance (ESG) criteria in the lending process? What is the motivation? This study aims to find the motives for considering environmental, social and governance (ESG) criteria in bank lending process. A primary survey has been conducted to know the current status and motivation for incorporating ESG factors in investment decisions. Sample comprised 30 private commercial banks (PCBs) operating in Bangladesh. Data collected were analyzed with graphs, descriptive statistics, and regression analysis. Findings of the stud

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15

Schneider, Arnold. "Is commercial lending affected by knowledge of auditor switches from Big 4 firms to regional firms?" Accounting Research Journal 30, no. 2 (2017): 153–64. http://dx.doi.org/10.1108/arj-12-2014-0110.

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Purpose This paper aims to examine whether knowledge about companies switching auditors from Big 4 firms to regional firms affects commercial lending decisions. Design/methodology/approach The approach used is an experiment where bank loan officers make judgments about risk and probabilities of granting a line of credit. Findings Neither risk assessments nor probabilities of granting credit differed for companies that switch auditors from Big 4 firms to regional firms as compared to companies that did not switch auditors. For companies that did switch auditors, providing a reason for the switc

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Ramdhan, Nur’Asyiqin, Imbarine Bujang, and Amirul Afif Muhamat. "Exploring FinTech Lending: The Influence of Financing and Economic Factors on the Success of Peer-to-Peer (P2P) Funded Loans." Information Management and Business Review 15, no. 4(SI)I (2023): 529–35. http://dx.doi.org/10.22610/imbr.v15i4(si)i.3629.

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This research intends to integrate financing and economic factors into a unified model to explore their influence on P2P lending successful fundraising. An innovative framework of the ARDL method was utilized to explore the short and long-term effects of the factors model to allow the P2P lending players to make informed decisions and develop effective strategies for sustainable FinTech lending practices. Information asymmetry is a persistent concern, and the quality of information provided by both internal and external sources plays a crucial role in determining lender decisions. It aims to o

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Bruni, M. E., P. Beraldi, and G. Iazzolino. "Lending decisions under uncertainty: a DEA approach." International Journal of Production Research 52, no. 3 (2013): 766–75. http://dx.doi.org/10.1080/00207543.2013.837985.

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Guiral, Andres, Doocheol Moon, and Javier Perez-Garcia. "Can corporate social responsibility bias lending decisions?" Spanish Journal of Finance and Accounting / Revista Española de Financiación y Contabilidad 45, no. 4 (2016): 466–86. http://dx.doi.org/10.1080/02102412.2016.1240415.

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19

Yeung, Godfrey. "How Banks in China make Lending Decisions." Journal of Contemporary China 18, no. 59 (2009): 285–302. http://dx.doi.org/10.1080/10670560802576034.

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Tang, Ning, Amina Kamar, Chih-Yung Lin, and Chien-Lin Lu. "Bank safety-oriented culture and lending decisions." Journal of Financial Stability 66 (June 2023): 101122. http://dx.doi.org/10.1016/j.jfs.2023.101122.

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Sandro, Sandro, Muhammad Salman, and Mayang Murni. "Impact of Financial Literacy, Transaction Interests and Financial Inclusion on Credit Decisions on Peer to Peer (P2P) Lending in the West Medan Sub-District." EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi 3, no. 6 (2024): 414–28. http://dx.doi.org/10.56799/ekoma.v3i6.4424.

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The study aims to find out the impact of financial literacy, transaction interests and financial inclusion on peer to peer lending decisions in the West Medan sub-district. This research data is primary data using a questionnaire as a tool to collect data. Data collection technique with snowball sampling, which is the technique of determining samples that are initially small quantities, then these samples are asked to choose their friends to be used as samples. The population in this study was either online borrowers or those who used peer to peer lending of 202 users in the West Medan sub-dis

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Abutu, Ilemona. "Big Data Analytics’ Involvement in Enhancing the Efficiency Lending and Marketing of Nigerian Lending Firms." International Journal of Research and Innovation in Social Science IX, no. I (2025): 1320–29. https://doi.org/10.47772/ijriss.2025.9010111.

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This research investigates the impact of big data analytics on efficiency and marketing of lending firms in Nigeria. The study adopts a review method to investigate the key issues facing lending firms in Nigeria. The study further investigates how data analytics help lending firms in overcoming these issues in term of risk management and lending decision making. Case study analysis of lending firms who have adopted data analytics in their business models shows how effective and sustainable their practices has been. Findings shows that firms utilise and invest heavily in big data analytics. Fin

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Leven, Charles L., and Michael E. Sykuta. "The Importance of Race in Home Mortgage Loan Approvals." Urban Affairs Quarterly 29, no. 3 (1994): 479–89. http://dx.doi.org/10.1177/107808749402900308.

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The purpose of this research note is to document the importance of empirical specification in the analysis of the influence of race on home mortgage lending decisions. Using a variety of testing procedures and detailed lending decision data for a large midwestern lending institution, the authors show that dramatically different results may be obtained from slight changes in empirical specification. The case study presented here can serve as a prototype for the large number of such case studies needed to obtain convincing evidence on the question of where and how discrimination may, or may not,

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Nichols, Linda M. "An Investigation Of The Effect Of Reporting Changes Proposed By The AICPA On Lending Decisions." Journal of Applied Business Research (JABR) 13, no. 2 (2011): 47. http://dx.doi.org/10.19030/jabr.v13i2.5760.

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<span>In 1994, a Special Committee of the AICPA proposed to expand and reorganize financial statements. The main differences between the proposed model and current GAAP include increased segment information, a separation of core and non-core activities, and inclusion of more forward-looking information. This study examines the effect of the proposed changes on lending decisions made by bankers. The results indicate that the separation of financial statement data into core and no-core activities provides relevant information in making lending decisions. Combining core activity separation

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Rimbano, Dheo, Arisky Andrinaldo, Sardiyo, Tri Agriana Sari, and Gunadi. "Low-Level Bank Managers: Factors that Affect Ethical Decision-Making (The Indonesian Case)." International Journal of Professional Business Review 8, no. 7 (2023): e02618. http://dx.doi.org/10.26668/businessreview/2023.v8i7.2618.

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Purpose: To find out the factors that influence ethical decision-making in low-level bank managers Theoretical framework: Research findings emphasized that the theory of McCosh in 1999 is certainly still relevant to use if the perception of the ethical meaning is not more to the application of ethics in the standard operating procedure is true but more to the fulfillment of a lending activity that really. Design/methodology/approach: The study also took a step with a positivistic epistemological approach in the process of answering research questions by following the deductive logic of parts a

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Brotcke, Liming. "Time to Assess Bias in Machine Learning Models for Credit Decisions." Journal of Risk and Financial Management 15, no. 4 (2022): 165. http://dx.doi.org/10.3390/jrfm15040165.

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Focus on fair lending has become more intensified recently as bank and non-bank lenders apply artificial-intelligence (AI)-based credit determination approaches. The data analytics technique behind AI and machine learning (ML) has proven to be powerful in many application areas. However, ML can be less transparent and explainable than traditional regression models, which may raise unique questions about its compliance with fair lending laws. ML may also reduce potential for discrimination, by reducing discretionary and judgmental decisions. As financial institutions continue to explore ML appl

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Fu, Runshan, Yan Huang, and Param Vir Singh. "Crowds, Lending, Machine, and Bias." Information Systems Research 32, no. 1 (2021): 72–92. http://dx.doi.org/10.1287/isre.2020.0990.

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Can machines outperform crowds in financial lending decisions? Using data from a crowd-lending platform, we show that, compared with portfolios created by crowds, a reasonably sophisticated machine can construct financial portfolios that provide better returns while controlling for risk. Further, we find that the machine-created portfolios benefit not only the lenders, but also the borrowers. Borrowers receive loans at a much lower interest rate as the machine can weed out the riskiest loans better than the crowds. We also find suggestive evidence of algorithmic bias in machine decisions. We f

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Mwirigi, Douglas, Mária Fekete-Farkas, and Zoltán Lakner. "A Bibliometric Analysis of Borrowers’ Behavior." Journal of Risk and Financial Management 17, no. 3 (2024): 111. http://dx.doi.org/10.3390/jrfm17030111.

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Understanding borrowers’ behavior is essential in making lending decisions, strengthening financial inclusion, and alleviating poverty. This research adopts a bibliometric approach to provide an overview of the borrower’s behavior relative to the selected literature. Bibliometric analysis quantifies the impact and quality of scientific production. This study reviewed 989 articles obtained from SCOPUS and published from 1987 to 2023. Data were cleaned, formatted, and analyzed using VOS viewer (1.6.19) and the R-Bibliometrix package. The research established an increased interest in borrowers’ b

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Al-hawatmah, Zaid, and Osama Samih Shaban. "The effect of lending policy on the profitability of commercial banks: Evidence from Jordan." Journal of Governance and Regulation 9, no. 4 (2020): 47–58. http://dx.doi.org/10.22495/jgrv9i4art4.

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This study aims to find out the impact of the lending policies adopted by Jordanian commercial banks on their profitability. This study relied on the descriptive analytical approach to describe and review the theoretical framework of the study. The preliminary information was gathered through a questionnaire prepared for this purpose. The study population consisted of all the commercial banks operating in Jordan, numbering 13 banks during the period 2016-2020. The study concluded that the credit decisions in the Jordanian commercial banks are contributing to about 75.3% of their returns, and t

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Komarova Loureiro, Yuliya, and Laura Gonzalez. "Competition against common sense." International Journal of Bank Marketing 33, no. 5 (2015): 605–23. http://dx.doi.org/10.1108/ijbm-06-2014-0065.

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Purpose – The purpose of this paper is to provide insights into peer-to-peer (P2P) lending which has served as one important tool to mitigate financial exclusion. The main proposition of this research is that P2P platforms, which in many ways resemble auctions, naturally instill competitive mindset among lenders; furthermore, given only limited objective decision criteria, certain borrower personal characteristics fuel interpersonal competition enough to impact lending decisions in suboptimal ways. The two experiments support this proposition. As the result, while P2P lending offers unpreceden

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Yung, Sen, Armein Z. R. Langi, Arry Akhmad Arman, and Togar M. Simatupang. "Choosing and Evaluating P2P Lending with Value Engineering as a Decision Support System: An Indonesian Case Study." Information 15, no. 9 (2024): 544. http://dx.doi.org/10.3390/info15090544.

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Peer-to-peer (P2P) lending has gained significant traction in the financial landscape, particularly in developing economies such as Indonesia, where access to traditional banking services remains a challenge for many. The aim of this study is to investigate the application of value engineering as a decision support system for choosing and evaluating P2P lending platforms, using Indonesia as a case study. P2P lending is a relatively new service in the digital economy for lending money to individuals through online financial intermediaries, where borrowers and lenders often have no prior relatio

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Mariana, Mariana, Syukriy Abdullah, and Nadirsyah Nadirsyah. "INFORMASI AKUNTANSI, INFORMASI NON-AKUNTANSI, DAN KEPUTUSAN PEMBERIAN KREDIT." Jurnal Reviu Akuntansi dan Keuangan 8, no. 2 (2018): 177. http://dx.doi.org/10.22219/jrak.v8i2.37.

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This study aims to examine the effect of accounting information and non-accounting information on lending decisions on banking institutions in Pidie Jaya Regency, which amounted to 6 (six) banks for the period January 2014-February 2015. The data analyzed were debtor data using multiple linear regression. The results show that return on net worth, debt to equity ratio, and non-accounting information have a significant effect, while fixed assets turn over does not affect the lending decision in Pidie Jaya Regency.

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Patil, Surekha Subhas. "Impact of Lending Practices on the Adoption of Green Banking Practices for the Sustainable Development." Royal International Global Journal of Advance and Applied Research 1, no. 1 (2024): 1–5. https://doi.org/10.5281/zenodo.12800128.

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<strong><u>Abstract</u></strong>    <em>The adoption of green banking practices for sustainable development is a pivotal focus in today's financial landscape. This abstract aims to explore the impact of lending practices on the integration and proliferation of green banking initiatives. Lending practices wield significant influence on the adoption of green banking principles within financial institutions. The relationship between lending decisions and sustainable initiatives is multifaceted, impacting not only the financial sector but also broader environmental and societal spheres.

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Moser, Christoph, and Jan-Egbert Sturm. "Explaining IMF lending decisions after the Cold War." Review of International Organizations 6, no. 3-4 (2011): 307–40. http://dx.doi.org/10.1007/s11558-011-9120-y.

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Jain, Arvind K., and Douglas Nigh. "Politics and the International Lending Decisions of Banks." Journal of International Business Studies 20, no. 2 (1989): 349–59. http://dx.doi.org/10.1057/palgrave.jibs.8490361.

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Sedunov, John. "DOES BANK TECHNOLOGY AFFECT SMALL BUSINESS LENDING DECISIONS?" Journal of Financial Research 40, no. 1 (2017): 5–32. http://dx.doi.org/10.1111/jfir.12116.

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Coulson, Andrea B., and Vivienne Monks. "Corporate environmental performance considerations within bank lending decisions." Eco-Management and Auditing 6, no. 1 (1999): 1–10. http://dx.doi.org/10.1002/(sici)1099-0925(199903)6:1<1::aid-ema93>3.0.co;2-m.

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Fabi, Fabrizio, Sebastiano Laviola, and Paolo Marullo Reedtz. "The new Capital Accord and banks’ lending decisions." Journal of Financial Stability 1, no. 4 (2005): 501–21. http://dx.doi.org/10.1016/j.jfs.2005.09.002.

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Chi, Guotai, Shijie Ding, and Xiankun Peng. "Data-Driven Robust Credit Portfolio Optimization for Investment Decisions in P2P Lending." Mathematical Problems in Engineering 2019 (January 2, 2019): 1–10. http://dx.doi.org/10.1155/2019/1902970.

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Peer-to-Peer (P2P) lending has attracted increasing attention recently. As an emerging micro-finance platform, P2P lending plays roles in removing intermediaries, reducing transaction costs, and increasing the benefits of both borrowers and lenders. However, for the P2P lending investment, there are two major challenges, the deficiency of loans’ historical observations about the certain borrower and the ambiguity problem of estimated loans’ distribution. In order to solve the difficulties, this paper proposes a data-driven robust model of portfolio optimization with relative entropy constraint

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Amo, Joseph, and Hadrat M. Yusif. "Lending rate and firms’ investment decisions : Evidence from Ghana." International Journal of Accounting and Economics Studies 5, no. 2 (2017): 141. http://dx.doi.org/10.14419/ijaes.v5i2.8118.

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This paper has examined the impact of lending rate on firms’ investment decision in Ghana. The Autoregressive Distributed Lag (ARDL) estimation framework was applied to time series data from 1980 to 2011. We found that lending rate has significant negative impact on private investment in both short run and long run in Ghana. It was also found that real GDP has a significant direct impact on private investment in both the short run and the long run periods. Our findings have important implications for investment policy in Ghana.

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Rahman, Ishan. "Prediction of creditworthiness of borrowers for Mortgage Lending using Random Forest Algorithm." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem35346.

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The assessment of creditworthiness is a critical task in mortgage lending which directly influences the risk management strategies of financial institutions. The paper presents the development and implementation of a credit scoring model tailored for mortgage lending, using the Random Forest algorithm. Utilizing a comprehensive dataset comprising borrower information, credit history, and financial indicators, the model predicts the likelihood of mortgage default or delinquency. The Random Forest classifier is chosen after comparing its performance with several other machine learning models, in

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Divaka, Hariom, and Anu Bagri. "Prospects and Hurdles in Transition towards ESG linked Sustainable Lending to achieve Resilience against Environment Risk." Journal of Advanced Zoology 44, S7 (2023): 390–96. http://dx.doi.org/10.17762/jaz.v44is7.2726.

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The drive to sustainability is transforming the way we live. In the wake of deteriorating environment sustainable and inclusive economy is the need of the hour and has become essential to implement in any field possible. In the recent years sustainable finance has come to dominate many investments decision and has an impact on the way funds are mobilised. One aspect of sustainable finance is sustainable lending which covers a range of activities that play a key role in credit decisions. Sustainable lending enhances and encourages environmentally sustainable practices and hence contributing to

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Mohd Said, Ridzwana, Maliah Sulaiman, and Nik Nazli Nik Ahmad. "Environmental information usefulness to stakeholders: empirical evidence from Malaysia." Social Responsibility Journal 10, no. 2 (2014): 348–63. http://dx.doi.org/10.1108/srj-10-2012-0131.

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Purpose – The present study aims to examine the effect of environmental information on fund managers’ investment and bank officers’ lending decisions. Specifically, it looks at the effect of qualitative and quantitative forms of environmental information to their decisions. Design/methodology/approach – Drawing from the normative pressure of institutional theory, the study seeks to identify the extent to which education and professional networks influence investment and lending decisions of fund managers and bank officers. A laboratory experiment was used to collect the data. Twenty-three subj

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Dacanay, Ayeen O., Bleselle M. Gernalin, Haselle R. Miguel, Julianne Marie V. Cunanan, and Kenneth L. Armas. "Leveraging Lending Institutions for Sustainable Growth: Implications for Sales Growth and Profitability in Small and Medium Enterprises." International Journal of Advanced Engineering, Management and Science 10, no. 5 (2024): 088–95. http://dx.doi.org/10.22161/ijaems.105.4.

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This study is titled, Leveraging Lending Institutions for Sustainable Growth: Implications for Sales Growth and Profitability in Small and Medium Enterprises. This research studies how small and medium enterprises (SMEs) utilize lending institutions to achieve sustainable growth. A descriptive research design was used in this study with a total of 45 respondents who answered the survey questionnaires. The respondents of this study are individuals or representatives from small and medium enterprises (SMEs) who have experience the borrowing process from lending institutions. The research objecti

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Tarasov, A. A. "Portfolio Management in International Syndicated Lending." Review of Business and Economics Studies 12, no. 4 (2025): 91–105. https://doi.org/10.26794/2308-944x-2024-12-4-91-105.

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This article is aimed at presenting a wholesome approach to the management of a syndicated loan portfolio.Methods utilized include the following: (i) portfolio analysis — calculating the parameters of a syndicated loan portfolio (main, liquidity, diversification, and commercial parameters); (ii) measuring completion of the Key Performance Indicators (KPIs) — comparing the actual values of the parameters of the syndicated loan portfolio to the target values of the KPIs and making the required managerial decisions; (iii) portfolio management — using the various syndicated loan market techniques

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Diana, Elviza. "Decision Support System for Selecting Peer-to-Peer Lending Applications using ARAS and Rank Sum Approaches." JURNAL MEDIA INFORMATIKA BUDIDARMA 8, no. 1 (2024): 674. http://dx.doi.org/10.30865/mib.v8i1.7179.

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The development of information technology has brought major changes to the world of finance, especially with the emergence of new business models such as Peer-to-Peer (P2P) lending. Even though the potential for high profits can be obtained through P2P lending platforms, the challenges faced by investors in choosing the right investment application are increasingly complex. With so many choices in P2P lending applications, decision-makers must be careful in making their choice. This creates problems if the decisions made are incorrect, resulting in financial losses. So, the aim of this researc

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Удовик, Е. Э. "Financial lending instruments." Экономика и предпринимательство, no. 10(123) (November 15, 2020): 1439–42. http://dx.doi.org/10.34925/eip.2020.123.10.288.

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В статье рассматриваются вопросы, связанные с ситуацией с банковскими кредитами; направления поддержки МВФ государствам-членам организации в связи с мировым экономическим кризисом. МВФ совершенствует инструменты для предотвращения кризисов, используя свой кредитный потенциал, опыт работы с разными странами для разработки управленческих решений и вопросов экономической политики. Рассмотрен долговой механизм стран-членов МВФ, который позволяет сохранить доступ к двусторонним кредитам и таким образом предотвратить резкое снижение кредитного потенциала. The article deals with issues related to the

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Jiang, Yang, Yi-Chun (Chad) Ho, Xiangbin Yan, and Yong Tan. "When Online Lending Meets Real Estate: Examining Investment Decisions in Lending-Based Real Estate Crowdfunding." Information Systems Research 31, no. 3 (2020): 715–30. http://dx.doi.org/10.1287/isre.2019.0909.

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Lending-based real estate crowdfunding, which involves the use of real estate to secure loans, has emerged as a promising alternative with lower risk than peer-to-peer lending. This study provides insights into understanding how lenders’ investment behavior is shaped by various information in such an emerging market. Using a data set from a large platform over 17 months, the authors find that lenders as a whole prefer loans secured by a borrower’s house to those secured by a mortgage, as reflected in quicker and larger lending transactions. Experienced lenders tend to invest more aggressively,

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Guiral, Andrés. "Corporate Social Performance, Innovation Intensity, and Financial Performance: Evidence from Lending Decisions." Behavioral Research in Accounting 24, no. 2 (2012): 65–85. http://dx.doi.org/10.2308/bria-50096.

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ABSTRACT This study examines how loan requests for intensifying corporate social performance (CSP) activities and loan requests for increasing innovation intensity affect loan officers' credit judgments and lending decisions. In addition, the impact of a balanced loan request for both CSP and innovation intensity was examined. An experiment was designed by manipulating the purpose of a loan request from a pharmaceutical company in order to create four alternative lending scenarios: (1) a full loan request for intensifying CSP activities; (2) a full loan request for increasing innovation intens

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Cavazos, Sadie. "The Impact of Artificial Intelligence on Lending: A New Form of Redlining?" Texas A&M Journal of Property Law 11, no. 2 (2025): 331–54. https://doi.org/10.37419/jpl.v11.i2.4.

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The issue of biased lending is longstanding and has faced much legislation over the past few decades. When issues of discrimination in the housing market became center stage in the 1960s, Congress passed multiple acts to combat what became known as “redlining,” or systematically denying credit to minority groups of people. Acts such as the Fair Housing Act and the Equal Credit Opportunity Act worked to eliminate this discrimination, but that does not mean bias does not still exist. However, lending companies, due to the efforts of the above-enumerated acts, can no longer act on these biases. B

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