Credit risk has been identified as the main risk that can result in the failure of a bank
due to ineffective credit decisions. It is, therefore, critical for the banks to conduct credit
risk assessment on new applicants ...
This study seeks to show that a higher usage of debt instruments by consumers with limited available funds leads to the usage of savings tools to finance debt costs, which subsequently results in lower levels of savings. ...
The objective of this research is to investigate the existence of structural changes in unsecured lending time series data and analyse the impact thereof on trends in consumer demand for unsecured credit spanning the years ...