Purpose: Small and Medium Enterprises (SMEs) significantly contribute to both social economic development of people largely through their roles in job innovation creation, revenue generation. Majority SMEs are undercapitalized due inaccessibility credit facilities. This adversely influence capacity invest productive ventures realize corporate goals. Factors that SMEs’ access not well known. Thu...

Unfortunately it could also be used to defraud these agencies. In the period immediately following their introduction public acceptance of credit cards was less than enthusiastic, but by 1992 there were almost 10 million major credit cards in use in Australia.2 There were also in excess of 25,000 fraudulent credit card transactions per annum. In this, then, as in so many other areas of property...

Credit rating agencies (CRA) are qualified as “auxiliaries of the financial information” by all the investors. Ratings are the results of a methodology used by CRA. Within the framework of a demystification of the method of work of agencies, the objective of this paper is to identify the importance of the accounting and financial information adjustments in the decisions of rating agencies. This...

This paper evaluates the presence of racial disparities in the issuance of consumer credit. Using a unique and proprietary database of credit histories from a major credit bureau, this paper links locationbased information on race with individual credit les. After controlling for the in uence of such other place-speci c factors as crime, housing vacancy rates, and general population demographic...

I develop an equilibrium model of housing and mortgage markets where house prices, mortgage interest rates, and leverage ratios are all determined endogenously. Agents are forward looking and have rational expectations. House prices adjust so that demand from new buyers clears with supply created by existing sellers. Housing demand is affected by the price and availability of contracts in the m...

Red pepper is a horticulture commodity that has fluctuating prices in the market. The price affected by availability of peppers. Meanwhile, red peppers depends on production activities at farm level. However, farmers require big capital to produce these Inadequate leads low crop production, which common problem among farmers. Farmer financing done overcome this one channelling credit them. Alth...

Credit is the pivot on which agricultural development rests and as a resource can be used to stimulate in desired direction. The availability of credit these broiler farmers will help them overcome challenges they encounter achieving enhanced production. This study was designed analyze profitability production between non-credit users Eket L.G.A, Akwa Ibom State. Specifically, it described soci...

decision trees as one of the data mining techniques, is used in credit scoring of bank customers. the main problem is the construction of decision trees in that they can classify customers optimally. this paper proposes an appropriate model based on genetic algorithm for credit scoring of banks customers in order to offer credit facilities to each class. genetic algorithm can help in credit sco...