Relevant bibliographies by topics / Lending Preference

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  1. Journal articles
  2. Dissertations / Theses
  3. Book chapters
  4. Conference papers
  5. Reports

Academic literature on the topic 'Lending Preference'

Author: Grafiati
Published: 3 June 2025
Last updated: 31 July 2025

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Journal articles on the topic "Lending Preference"

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Vala, Vadan, Falguni Vala, and Nilam Panchal. "THE ROLE OF DIGITALISATION IN LENDING PROCEDURE: DIGITAL LENDING VS TRADITIONAL LENDING." International Journal of Management, Public Policy and Research 1, no. 1 (2022): 39–46. http://dx.doi.org/10.55829/ijmpr.v1i1.15.

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This research paper exhibits how Banks have discovered new ways to provide flexible lending procedures as a result of the digitalization revolution. Today, the digital medium has emerged as the most promising means of improving the system in any field. Banks are also improving their methods of attracting customers by offering a greater variety of options. As a result, this paper focuses on how consumers were drawn to digital lending over traditional lending during the revolution of digitalization in lending procedure. This paper will also identify the factor that is most concerning for today's
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Schlupp, Ingo, Michael Ryan, and Meike Waschulewski. "FEMALE PREFERENCES FOR NATURALLY-OCCURRING NOVEL MALE TRAITS." Behaviour 136, no. 4 (1999): 519–27. http://dx.doi.org/10.1163/156853999501450.

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AbstractWe report two independent cases of female preferences for novel male traits in two species of poeciliid fish, Poecilia latipinna and Poecilia mexicana. In both cases the preference predates the occurrence of the trait, lending strong support to the pre-existing bias hypotheses. This support is independent of the assumptions associated with phylogenetic inference. Unlike the two sexual species, the unisexual hybrid P. formosa had no detectable preference for the novel male traits.
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Huizinga, Harry. "Taxation, time preference, and long term international lending." International Tax and Public Finance 3, no. 4 (1996): 515–22. http://dx.doi.org/10.1007/bf00540220.

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Hartley, Roger, and Lisa Farrell. "Can Expected Utility Theory Explain Gambling?" American Economic Review 92, no. 3 (2002): 613–24. http://dx.doi.org/10.1257/00028280260136426.

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We investigate the ability of expected utility theory to account for simultaneous gambling and insurance. Contrary to a previous claim that borrowing and lending in perfect capital markets removes the demand for gambles, we show expected utility theory with nonconcave utility functions can explain gambling. When the rates of interest and time preference are equal, agents seek to gamble unless income falls in a finite set of values. When they differ, there is a range of incomes where gambles are desired. Different borrowing and lending rates can account for persistent gambling provided the rate
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Santosh, Kumar Panda, Prasad Panda Ganesh, and Anil Kumar Swain Dr. "DETERMINANTS OF PRIORITY SECTOR LENDING OF INDIAN PUBLIC SECTOR BANKS: AN ECONOMETRIC ANALYSIS." International Journal of Research - Granthaalayah 5, no. 7 (2017): 461–73. https://doi.org/10.5281/zenodo.838920.

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Compulsory sanctioning credit or priority sector lending (PSL) is part of the regulatory framework for commercial banks/ financial institutions in many countries, both developing and developed. However, compliance and lending effectiveness of such programs may be determined by a number of factors. This may be particularly so in developing countries, where availability of finance for the vulnerable sectors likes agriculture, small businesses, weaker sections, are scarce. The present paper aims at examining the patterns of priority sector lending by banks, with a view to identifying the factors
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Liu, Wei, and Li-Qiu Xia. "An Evolutionary Behavior Forecasting Model for Online Lenders and Borrowers in Peer-to-Peer Lending." Asia-Pacific Journal of Operational Research 34, no. 01 (2017): 1740008. http://dx.doi.org/10.1142/s0217595917400085.

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Online peer-to-peer (P2P) lending is an emerging financial mode that combines the Internet with private lending to provide unsecured lending among individuals. The interest rate and risk depend on online lenders and borrowers’ behavior choices and game in the context of P2P lending. In this paper, we propose an evolutionary behavior forecasting model for online participants based on the risk preference behavior of lenders and the credit choice of borrowers. We highlight four evolutionary equilibrium states of online lenders and borrowers’ behavior and their effects on the risk of online P2P le
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Miller, Edward. "Liquidity: Its Origins and Implications in an Uncertain Multiperiod World with Limited Borrowing." American Economist 38, no. 1 (1994): 36–46. http://dx.doi.org/10.1177/056943459403800105.

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If borrowing rates exceed lending rates, liquid assets are held to provide an option on future consumption. The rate of time preference exceeds the interest rate. Thus the market value of marketable securities exceeds the present value at the rate of time preference of their cash flows. The interest rate is determined not merely by time preference and capital productivity, but is a number calculated from the values of liquid assets. Inside money has an impact.
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Arifin, Riyadh Ahsanul, Rahma Sakina, Rispa Mustika, and Wulandari Putri. "Examining Gender Divide, Reading Habits and Preferences in EFL Undergraduate Students." JEPAL (Journal of English Pedagogy and Applied Linguistics) 5, no. 2 (2025): 249–73. https://doi.org/10.32627/jepal.v5i2.1305.

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This study explores gender differences, reading habits, and preferences among undergraduate students studying English as a Foreign Language (EFL) at Ma'soem University, focusing on second, fourth, and eighth semesters. A qualitative descriptive approach was used to gather detailed data through comprehensive questionnaires and in-depth interviews. The sample included 32 participants, evenly distributed between male and female students. Key findings revealed a significant language preference gap, with 37.5% of female students preferring foreign language reading, compared to 18.8% of males who fa
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Liguzinski, Maciej. "Forging a friction." Nordic Journal of Library and Information Studies 4, no. 1 (2023): 1–16. http://dx.doi.org/10.7146/njlis.v4i2.134039.

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The article explores the development of e-lending models for digital books (e-books and digital audiobooks) in public libraries from a comparative perspective, analysing cases in Denmark, Norway and Sweden. Special attention is placed on the actors involved in developing e-lending models and the variations across Scandinavia. First, the legal prerequisites of digital books, licensing culture and policy context are linked. Next, the phenomenon of e-lending and e-lending models are introduced and discussed as a form of artificial friction. Then, based on a review of international and Scandinavia
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PALLEY, THOMAS I. "The theory of endogenous money and the LM schedule: prelude to a reconstruction of ISLM." Revista de Economia Política 37, no. 1 (2017): 3–22. http://dx.doi.org/10.1590/0101-31572016v37n01a01.

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ABSTRACT Money is at the center of macroeconomics, which makes understanding the money supply central for macroeconomic theory. This paper presents the Post Keynesian theory of endogenous money supply and shows how it is fundamentally different from the conventional money supply theory. The conventional approach relies on the money multiplier and bank lending is invisible. Post Keynesian theory discards the money multiplier and focuses on bank lending which drives money creation. The paper emphasizes the structuralist version of Post Keynesian theory which retains Keynes’ liquidity preference
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Dissertations / Theses on the topic "Lending Preference"

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Lin, Yi-Hsuan, and 林宜萱. "Analysis of Bank and Firm Characteristics on Bank Lending Preference." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/29955427861376115897.

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碩士<br>國立臺北大學<br>企業管理學系<br>103<br>The purpose of this study is to investigate whether commercial banks prefer lending to firms with specific characteristics. The data were collected from Taiwan Economic Journal and the observation period ranges from 1991 to 2012. We observe the bank loan condition in order to assess its lending quality. In this research, we analyze the relationship between bank lending amount and bank characteristics, firm characteristics and macroeconomic indicators. The empirical results show that firm characteristics play an important role in the banks’ lending decisions.
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Fortis, Sebastiano. "The incentive effect of unsatisfied preferences in a social-lending crowdfunding setting : evidence from Kiva.org." Master's thesis, 2014. http://hdl.handle.net/10400.14/16840.

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This work, inspired by the first experience of its writer as a lender on the web platform Kiva.org, presents an analysis involving 4221 investors in order to show that preferences of individuals may play an important, somewhat counterintuitive role in the social-lending crowdfunding environment. First, in fact, it is found that lenders who are able to satisfy their initial preferences regarding a project to support tend to invest fewer times compared to individuals who are not able to find a project available that fully satisfies them. Second, between lenders who faced this “mismatch” be
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Chou, Yi-Hung, and 周奕宏. "A Moderator Effect of Perceived Risk to Consumers’ Behavior Preferences of Internet Platform’s or Financial Institution’s P2P lending." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/qhj4h5.

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Book chapters on the topic "Lending Preference"

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Herman, Barry. "Towards a More Ethical Lending to Sovereigns." In Sovereign Debt and Human Rights. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780198810445.003.0019.

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This chapter examines the relationship between a private household in one country and the foreign government whose bond the household has purchased. What is the ‘right’ thing for a household to want to do when the government encounters economic difficulties and faces pressure to cut back social spending that was advancing human rights objectives? Individual bondholders are in any case rarely empowered to act on their ethical priorities. The nature of sovereign bond contracts gives ethical savers little room to give vent to their ethical preference. The chapter also specifies the concerns that
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Breuer, Wolfgang, Benjamin Quinten, and Astrid J. Salzmann. "Bank vs. Bond Finance." In Handbook of Research on Global Business Opportunities. IGI Global, 2015. http://dx.doi.org/10.4018/978-1-4666-6551-4.ch014.

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This chapter enhances the growing research field of Cultural Finance by analyzing the relationship between cultural value types—in particular, Autonomy and Embeddedness—and the corporate debt choice of either bank or bond financing. The authors derive their hypotheses from a slight modification and re-interpretation of the Chemmanur and Fulghieri (1994) approach of “relationship lending.” Referring to the importance of specific human capital investments and individuals' future orientation, they show that firms in autonomy cultures tend toward bank finance, whereas firms in embeddedness culture
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Mehta, Kartik. "CHRONICLES OF REGULATORY RESPONSES IN DIGITAL LENDING INDUSTRIES." In Disruptive Technologies and the Law: Navigating Legal Challenges in an Era of Innovation. Iterative International Publishers, Selfypage Developers Pvt Ltd, 2024. http://dx.doi.org/10.58532/nbennurdtch8.

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Customers' preferences have shifted in response to the swift pace of transformation in the lending industry, which has been sparked by new developments such as inventive technology and the entrance of non-traditional lending providers into popular markets. As financial organisations throughout the digital lending value chain attempt to adjust to these changes, they face increased rivalry and changing alliances with FinTech, non-banks, and some of the world‟s biggest merchants. In response, authorities are keeping customer safety at the forefront of their minds as they weigh ways to encourage t
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Gray, Hazel. "Tanzania." In The Political Economy of Bank Regulation in Developing Countries: Risk and Reputation. Oxford University Press, 2020. http://dx.doi.org/10.1093/oso/9780198841999.003.0008.

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Tanzania has been a slow and cautious adopter of Basel standards, although a faster pace of adoption emerged after 2009. From 1991 to 2008 Tanzania liberalized its financial sector, but a gap emerged between the commitment to adopting Basel standards and the actual pattern of implementation and enforcement. It was only from 2009 onwards that Basel implementation was prioritized as Tanzania moved to regulator- and market-driven convergence. Regulator preferences reflected the appointment of a new governor at the Bank of Tanzania and the influence of regional commitments to regulatory harmonizat
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Kumari, Puja. "FINTECH IN INDIA." In Futuristic Trends in Management Volume 3 Book 16. Iterative International Publisher, Selfypage Developers Pvt Ltd, 2024. http://dx.doi.org/10.58532/v3bfma16p3ch5.

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Fintech, in simple terms, refers to using technology to make financial services more accessible, efficient, and user-friendly. This chapter on fintech in India provides a thorough analysis of this sector's rapid expansion and major changes. It explores how Fintech innovations are transforming conventional financial services, speeding up transactions, and boosting financial inclusion. It highlights the contributions that various significant industries have made to modernizing India's financial landscape, including digital payments, peer-to-peer lending, insurance technology, and robo-advisory s
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Thrall, Grant Ian. "Introduction." In Business Geography and New Real Estate Market Analysis. Oxford University Press, 2002. http://dx.doi.org/10.1093/oso/9780195076363.003.0004.

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This book shows how to answer questions that provide guidance to the most important decisions in real estate: Should I buy? Should I build? Will the market support the decision? Before developers or investors commit to a project, they must have answers to these questions if they are to remain profitable in the long run. No generic answers will fit all real estate decisions at all times, because the circumstances differ so much between projects. Therefore, in addition to examples of the methodology that is generally accepted in the industry, this book provides explanations for why the methodolo
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Damodaran, A. "Economics of the Unique." In Managing Arts in Times of Pandemics and Beyond. Oxford University Press, 2022. http://dx.doi.org/10.1093/oso/9780192856449.003.0007.

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This chapter surveys the critical economic concepts of relevance to managers of arts organizations. The chapter delves on the unique character of arts resources, the difficulties of pricing intangible cultural heritage resources that do not enter the market place, and the possible manner in which non-market tools of valuation such as contingent valuation, hedonic valuation, and the travel costs method can be employed to value arts and heritage. The chapter examines how cultural and arts policies can influence consumer preferences through incentive mechanisms. Also examined is the phenomenon of
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Olgu Akdeniz, Özlem. "Utilization of Fintech Applications during the Covid-19 Pandemic." In Digital Transformation [Working Title]. IntechOpen, 2022. http://dx.doi.org/10.5772/intechopen.101796.

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At the beginning of 2020, a new disease (Covid-19) has emerged and expanded swiftly all around the world. Currently, we are still living in unprecedented times in which we should have social distance from one another and mostly work from home to diminish the spreading speed of the Covid-19. While we are experiencing these limitations, businesses and organizations are expected to work without having any disruptions. At this point, entering new technologies into our lives was inevitable and in fact, these new technologies have helped us to eliminate the challenges caused by the precautions with
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Conference papers on the topic "Lending Preference"

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Xu, Tao, Jianmin He, and Shouwei Li. "An Interbank Market Network Model based on Bank Credit Lending Preference." In 5th International Conference on Operations Research and Enterprise Systems. SCITEPRESS - Science and Technology Publications, 2016. http://dx.doi.org/10.5220/0005734201570162.

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Echerd, Jonathan, Brian Sylcott, Russell Lemken, Gerald Weckesser, and Jinkun Lee. "Identifying a Relationship Between Design Concept Representation Style and Consumer Product Preference." In ASME 2023 International Design Engineering Technical Conferences and Computers and Information in Engineering Conference. American Society of Mechanical Engineers, 2023. http://dx.doi.org/10.1115/detc2023-115059.

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Abstract Product designers are constantly seeking insight into the mind of the consumer in efforts to get a better idea as to what the market demands. Feedback from consumers informs designers on changes that need to be made to a product and can provide information about what end-users expect. To explore possible improvements to the design process, a study was conducted on concept representation style and its effects on consumer preferences. The study employed statistical testing to identify a relationship between representation style and consumer preference consistency, lending insight into t
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Lozhkin, A. A. "The main factors influencing the development of consumer lending in Russia." In IV All-Russian (national) scientific conference with international participation: "Science, technology, society: Environmental engineering in the interests of sustainable development of territories". Krasnoyarsk Science and Technology City Hall, 2023. http://dx.doi.org/10.47813/nto.4.2023.10.108-113.

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In the modern world, credit plays an important role in the economic system of any country. Its necessity is reflected in the formation of free funds, the availability of needs for them; in the interaction of both cash and non-cash turnover; in the influence on the processes of production, sale and use of products, in the organization of an increase in the scale of activities of market participants; as well as in the expansion of international cooperation and foreign economic relations. Within the framework of state economic relations, consumer lending increases consumer demand for services and
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Koumpan, Elizabeth, Ram Ravishankar, and Periasamy Girirajan. "On Demand Loans Real Time Service: Essential User Feature by the Banks in Society 5." In 13th International Conference on Applied Human Factors and Ergonomics (AHFE 2022). AHFE International, 2022. http://dx.doi.org/10.54941/ahfe1002254.

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Investing for a Sustainable Future is driving major client buying behaviors and long-term corporate strategies. We are currently at the transition between the 3rd Industrial Revolution (the computer / Internet based information industry), and the 4th Industrial Revolution (driven by digital transformation, AI, IoT, Blockchain), emerging into the 5th Industrial Revolution. This transition drives an unprecedented connection of business to purpose, democratizing technology for consumers with ease of use and integration of cyberspace with physical space In addition, Covid-19 has acted as a catalys
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Simiyu, Naomy, Santhosh Kumar, Marisennayya Senapathy, and Regina Babu. "Bridging the gap: Understanding demographic disparities in consumer credit adoption: The case for Buy Now Pay Later." In Employment, Education and Entrepreneurship 2024. Faculty of Business Economics and Entrepreneurship, 2024. https://doi.org/10.5937/eee24047s.

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Financial institutions like banks have a significant role in lending credit to their consumers based on the different criteria that must be considered before issuing the loan. This study investigates the influence of demographic variables on the usage and adoption of financial services. The primary objective of this study was to identify how age, gender, income, education, occupation, and credit score levels impact consumer behavior and their preferences in the "Buy Now and Pay Later" financial services. Using a quantitative approach, an online survey was conducted with 350 valid responses for
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Reports on the topic "Lending Preference"

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Abad, Jorge, Galo Nuño, and Carlos Thomas. CBDC and the operational framework of monetary policy. Banco de España, 2024. http://dx.doi.org/10.53479/35997.

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We analyse the impact of introducing a central bank-issued digital currency (CBDC) on the operational framework of monetary policy and the macroeconomy as a whole. To this end, we develop a New Keynesian model with heterogeneous banks, a frictional interbank market, a central bank with deposit and lending facilities, and household preferences for different liquid assets. The model is calibrated to replicate the main monetary and financial aggregates in the euro area. Our analysis predicts that CBDC adoption implies a roughly equivalent reduction in banks’ deposit funding. However, this ‘deposi
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Bialus, Diana, Le Thanh Tam, Thi Thu Hien Nguyen, and Chu Hong Minh. Financial Access of Women-Owned Small and Medium-Sized Enterprises in Viet Nam. Asian Development Bank, 2022. http://dx.doi.org/10.22617/wps220612-2.

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This working paper identifies challenges in access to finance for women-owned small and medium-sized enterprises (SMEs) in Viet Nam and recommends ways to improve it. Out of 27 banks surveyed, the authors found that only 5 cater to the specific needs of SMEs owned by women. The paper proposes ways of incentivizing financial institutions to invest in this market segment. These include requiring gender-disaggregated data reporting, boosting knowledge on gender lens investing, improving guarantee schemes, and promoting lending to women-owned SMEs as an active hedge against portfolio deterioration
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