This research used the theory of planned behavior as a framework to investigate the role of attitudes, behavioral control, norms, and previous behavior in payday loan borrowers’ difficulty or lack of difficulty in repaying loans. The data were...
We research the response of the proportion of student borrowers with ninety or more days of delinquency or in default to variables such as unemployment and the average debt per borrower after the financial crisis of 2007–2008, in the United Sta...
This study examines stock borrowing costs in Japan’s centralized lendable stock market, focusing on differences between ‘hard-to-borrow’ and ‘easy-to-borrow’ stocks over six months of daily data. This study employs a com...
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 relativ...
The COVID-19 pandemic presented significant challenges to university students. This study explores the financial conditions and borrowing behavior of university students during the pandemic in Bangladesh. The study used a sample of 840 students from...
Basket trials allow simultaneous evaluation of a single therapy across multiple cancer types or subtypes of the same cancer. Since the same treatment is tested across all baskets, it may be desirable to borrow information across them to improve the s...
This paper aimed to investigate the effects of government borrowing banks’ capital structure using a sample of banks registered in South Africa from 2012 to 2021. Despite the extensive literature on this association, few prominent researchers h...
Sharing the economic agglomeration effects of large cities is considered an effective way to enhance economic growth in small and medium-sized cities, yet there remains a lack of relevant quantitative empirical research. In this study, the three dime...
In the EU, the specialty municipal banks have been the traditional funding source besides tax sharing and governmental transfers for Local Governments (LGs). With the decentralization process, LGs experienced different market-based options so that ba...
Cities enhance the efficiency of green development among themselves through their borrowing population, economic activities density and advanced functions, but the positive green effect of the borrowing size is affected by the city size. Using panel...
The study aims to contribute to our understanding of the situation of languages in contact and the phenomenon of linguistic borrowings in the modern online world. The current study investigates the use of English terms borrowed to describe romantic r...
We study an optimal consumption, leisure, and investment problem over a finite horizon in a continuous-time financial market with partial borrowing constraints. The agent derives utility from consumption and leisure, with preferences represented by a...
In this paper, we address the utility maximization problem of an infinitely lived agent who has the option to increase their income. The agent can increase their income at any time, but doing so incurs a wealth cost proportional to the amount of the...
This study investigates how borrowing influences household consumption patterns in low-income and formerly impoverished regions of China, with implications for sustainable development goals (SDGs) such as poverty reduction (SDG 1), inclusive economic...
This study explores how system-based and cognitive-based factors affect platform trust and its role in the actual use of PayLater services (buy now, pay later or BNPL) in Indonesia and Malaysia. PayLater, a fintech innovation, provides fast and conve...
Earthwork in road construction projects is the major activity that accounts for about 20%–30% of the total construction cost, and the internal/external hauling plan is the key factor for determining the successful completion of the project. However,...
Access to finance is essential for fostering financial inclusion, improving household economic well-being, and stimulating economic growth. However, if not prudently managed, it can become a double-edged sword, increasing the risk of over-indebtednes...
We utilize the data of a very large UK automobile loan firm to study the interaction of the characteristics of borrowers and loans in predicting the subsequent loan performance. Our broader findings confirm the earlier research on the issue of subpri...
This paper examines the implications of imperfect competition in a two-country framework where a single good is produced. Using an overlapping generation model, we analyze the effects of market structures. Specifically, one country is assumed to oper...
Determinants and levels of working capital financing (WCF) in the manufacturing sector have been empirically proven to impact firm profitability across emerging as well as developed nations. With time, firms adjust toward financing their working capi...
With the rapid evolution of the rural digital economy, analyzing the impact of digital literacy level on farm households’ formal borrowing is crucial for easing credit constraints and fostering rural economic growth. Leveraging the data from th...
In this review, we aim to give an overview of the use of the Borrowing Hydrogen (BH) methodology with bio-based alcohols. This methodology only forms water as a by-product, thus providing a sustainable way to amines, which have a large range of appli...
Soil loss can be reduced by enhancing the slip resistance of soil. Therefore, the slip resistance of borrowed soil of rock slopes is key to ecological restoration. An effective way to enhance the soil slip resistance is to improve the permeability an...
This study used the panel data from 15 emerging markets to examine the impact of restrictive macroprudential policies on income inequality from 2000–2019 using Bayesian panel vector autoregression and Bayesian panel dynamics generalised method...
A coordination polymer Ni-CIA has been designed, synthesized, and characterized via Fourier transform infrared spectroscopy (FT-IR), powder X-ray diffraction (XRD), scanning electron microscopy (SEM), X-ray photoelectron spectrometry (XPS), energy-di...
Modern credit scoring systems must operate under increasingly complex borrower data conditions, characterized by structural heterogeneity and regulatory demands for transparency. This study proposes a modular modeling framework that addresses both in...
To reduce the economic losses caused by debt evasion amongst lost-link borrowers (LBs) and improve the efficiency of finding information on LBs, this paper focuses on the cross-platform information collaborative search optimization problem for LBs. G...
Background: Online lending has developed rapidly in China in recent years, into a typical Internet financial model. China’s online lending related issues have received widespread attention from scholars. Methods: This study used 396,634 order d...
Unusual α-amino acids (UAAs) are important fundamental building blocks and play a key role in medicinal chemistry. Here, we constructed a hydrogen-borrowing dual-enzyme cascade for efficient synthesis of UAAs from α-hydroxy acids (α...
This paper investigates the effects of rural households’ demographic characteristics on formal credit constraint, and explores the relationship between informal and formal lending in rural China. Using 2013 China’s Household Finance surve...
This study investigates the effect of demographic factors on formal and informal borrowing households in rural Fujian Province. The study tests whether credit constraint affects rural farmers’ welfare in the studied region, using a probit regre...
At present, multi-specialization cross integration is the new trend for high-level personnel training and scientific and technological innovation. A similarity analysis of learning interests among specializations based on book borrowing behavior is p...
This study investigates how bank mergers and acquisitions (M&As) reshape the monitoring architecture of syndicated loans and, by extension, borrowers’ financing conditions. Using a global panel of 20,299 syndicated loan contracts, originati...
With the rapid development of the P2P (peer-to-peer) online lending industry, which is facing significant credit risk, personal credit evaluation is an important method to reduce credit risk. Based on the various indexes of personal credit risk evalu...
In response to pressures placed on a firm by its stakeholders, managers may initiate various corporate sustainability activities. In such cases, they need to make decisions not only about the level of sustainability commitment, but also about the way...
In this paper we address the question of whether it is possible to compare two theoretical approaches to the same phenomenon or whether these should be considered incommensurable. We focus on two contrasting approaches to the identification of code-s...
Grinding technology exerts an enormous effect on the surface quality of double helical gears, which are subject to stringent requirements in the aviation industry. This study presents a novel gear-gap-space-borrowing grinding method that diverges fro...
This paper addresses the problem of missing data in food composition databases (FCDBs). The missing data can be either for selected foods or for specific components only. Most often, the problem is solved by human experts subjectively borrowing data...
This paper asks whether debt among affluent consumers reflects rational leverage, comparable to firms, or the influence of cognitive biases. Using survey data on Brazilian bank clients, we combine logistic regressions with a finite-mixture-inspired,...
The most generally accepted diachrony of mediante assumes a grammaticalization path that started in an absolute clause, which first evolved into a preposition, and later into conjunction. However, data reveals that its development is not connected to...
Inadequate financial literacy and overconfidence in financial knowledge, coupled with the use of mobile payments (MPs), may contribute to harmful financial behaviors. While the relationship between financial knowledge confidence and financial behavio...
This paper foccusses on the Tangwang language, a Chinese variety spoken in southern Gansu that has been in contact with the Dongxiang language, a Mongolic language. Tangwang is believed to be a highly altaicised variety, as it demonstrate several tra...
This study examined different degrees of awareness regarding the stigmatization of Southern California (SoCal) Spanish across four groups of Spanish–English bilinguals from Southern California (n = 87). The participants were presented with Span...
In this paper, we study the effects of uncertainty shocks in a quantitative framework where firms in the corporate sector are constrained by credit. Specifically, we formulate borrowing constraints as a nested function that features both earnings and...
This article deals with lexical borrowing and the morphological integration of loan words in Kaliardá, a Greek-based antilanguage, spoken in the urban areas of Greece by socially marginalized communities of cross-dressers, transgender people, and gay...
Taxes represent a significant expense for many companies, prompting a strong incentive to minimize tax liabilities through strategies known as tax avoidance. This research explores the impact of tax avoidance and tax risk disclosure on the cost of de...
In this paper, we consider mood selection in embedded clauses by focusing on a German-based minority language, Cimbrian, which is spoken in a northern Italian enclave. Mood selection in Cimbrian relies on the presence of two different complementizers...
This paper determined the predefining factors of loan repayment behavior based on psychological and behavioral economics theories. The purpose of this research is to identify whether an individual’s credit risk can be predicted based on psychometric...
In France, access to a loan requires one to obtain loan insurance and the presence of a pathology in the applicant may be a reason for refusal. Improving knowledge of health risks and pooling risks are two methods of broadening access to loans. We at...
Credit cards play a central role in household financial behavior by combining payment and short-term financing functions shaped by socioeconomic, cognitive, and attitudinal factors. This study examines the determinants of credit card use and repaymen...
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