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Borrowers’ Behavior in Financial Decision-Making
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Borrowers’ Behavior in Financial Decision-Making

A special issue of Journal of Risk and Financial Management (ISSN 1911-8074). This special issue belongs to the section "Financial Markets".

Deadline for manuscript submissions: 31 December 2024 | Viewed by 2046

Special Issue Editors

Dr. Domicián Máté

E-Mail Website
Guest Editor
1. Engineering Management and Entrepreneurship Department, Faculty of Engineering, University of Debrecen, 4032 Debrecen, Hungary
2. College of Business and Economics, University of Johannesburg, Johannesburg 2006, South Africa
Interests: industrial economics; sustainable development; food and energy security
Special Issues, Collections and Topics in MDPI journals
Prof. Dr. Maria Fekete-Farkas

E-Mail Website
Guest Editor
Institute of Economic Sciences, Hungarian University of Agricultural and Life Sciences, H-2100 Gödöllő, Hungary
Interests: sustainable development; natural resource management; productivity; economic and social effects of climate change; consumer behavior; Industry 4.0; social capital; relationship management; market structure; pricing; renewable energy; economic and social
Special Issues, Collections and Topics in MDPI journals

Special Issue Information

Dear Colleagues,

This Special Issue delves into the intricate dimensions of borrowers' behavior that impact financial decision making. Topics of interest for publication include, but are not limited to:

  • Analyzing cognitive biases influencing how individuals utilize loans and behavioral patterns affecting borrowing choices.
  • Exploring the psychological determinants affecting how borrowers perceive and navigate financial risks.
  • Investigating the role of socio-economic factors in shaping borrowers' repayment behavior.
  • Assessing the influence of financial literacy on borrowers' decision making regarding loans.
  • Examining the impact of cultural and contextual variables on borrowers' attitudes towards credit.
  • Exploring the dynamics of borrowing within households and its implications on financial decision making.
  • Investigating how individual personalities influence perceptions and decisions related to credit.
  • Exploring how participation in startup incubators and accelerator programs affects borrowing behavior, considering mentorship, resources, and networking opportunities.
  • Exploring the influence of fintech innovations, such as digital lending platforms and automated underwriting, on the behavior of borrowers.
  • Exploring the complexities of borrowers' behavior in financial decision making to achieve the SDGs by fostering financial inclusion, reducing inequalities, and promoting economic and social sustainability.

Contributors are encouraged to provide insights, empirical studies, and theoretical frameworks to enhance our understanding of the multifaceted aspects of borrowers' behavior.

Dr. Domicián Máté
Prof. Dr. Maria Fekete-Farkas
Guest Editors

Manuscript Submission Information

Manuscripts should be submitted online at www.mdpi.com by registering and logging in to this website. Once you are registered, click here to go to the submission form. Manuscripts can be submitted until the deadline. All submissions that pass pre-check are peer-reviewed. Accepted papers will be published continuously in the journal (as soon as accepted) and will be listed together on the special issue website. Research articles, review articles as well as short communications are invited. For planned papers, a title and short abstract (about 100 words) can be sent to the Editorial Office for announcement on this website.

Submitted manuscripts should not have been published previously, nor be under consideration for publication elsewhere (except conference proceedings papers). All manuscripts are thoroughly refereed through a single-blind peer-review process. A guide for authors and other relevant information for submission of manuscripts is available on the Instructions for Authors page. Journal of Risk and Financial Management is an international peer-reviewed open access monthly journal published by MDPI.

Please visit the Instructions for Authors page before submitting a manuscript. The Article Processing Charge (APC) for publication in this open access journal is 1400 CHF (Swiss Francs). Submitted papers should be well formatted and use good English. Authors may use MDPI's English editing service prior to publication or during author revisions.

Keywords

  • behavioral finance
  • credit default review
  • consumer lending bias
  • loan repayment behavior
  • financial decision making
  • household investors
  • psychological factors
  • sustainable development goals

Published Papers (1 paper)

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Research

20 pages, 4219 KiB  
Article
A Bibliometric Analysis of Borrowers’ Behavior
by Douglas Mwirigi, Mária Fekete-Farkas and Zoltán Lakner
J. Risk Financial Manag. 2024, 17(3), 111; https://doi.org/10.3390/jrfm17030111 - 9 Mar 2024
Viewed by 1452
Abstract
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 [...] Read more.
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’ behavior among scholars. Nonetheless, it is overshadowed by studies in lending behavior, microfinance, banking, peer-to-peer lending, and fintech. The scholarly focus is mainly on the supply side of the credit industry with little regard to demand-side dynamics, such as borrowers’ decision-making processes, which can affect the performance of credit facilities. This study recommends that further studies on credit facility demand-side dynamics should be carried out to understand the drivers of borrowers’ decisions. Full article
(This article belongs to the Special Issue Borrowers’ Behavior in Financial Decision-Making)
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