Despite the widespread attention given to identity theft, there is much confusion on how best to define and measure it. Recent attempts to measure its extent through victimization surveys or law enforcement files have varied considerably in the types of crimes included as identity theft. Some studies include credit card fraud, while others exclude it. This inconsistency in data collection has m...

considering the nature of banking activities, credit risk plays the biggest role in its profit-making capacity. the nature of credit risk is such that despite the existing innovations in the banking system, the credits granted to the borrowers by the banks still face a rather high risk of not being returned, and this is the predominant reason for the unsuccessful performance of the banks. durin...

This study aims to determine and analyze thethe legal position of implementing credit without a written agreement at the Transmission Substation Employee Cooperatives in Kudus City, as well know aboutlegal protection for creditors who provide an debtors employee City are default. research method uses empirical juridical approach, namely that secondary data initial data, which is then followed b...

This paper examines the risk and return of the so-called capital structure arbitrage, which exploits the mispricing between a company’s debt and equity. Specifically, a structural model provides a connection between a company’s equity price and its credit default swap (CDS) spread. Based on the deviation of CDS market quotes from their theoretical counterparts, a convergence-type trading strate...

Intertemporal choices consist of trade-offs between reward magnitude and the delay until those rewards are received. Distaste for delay (i.e., impatience) is related to various undesirable variables including drug use, credit card debt, and low grade point average. These findings have underscored the critical need to better understand intertemporal preferences. Previous work has shown that forc...

Civil plaintiffs frequently seek monetary compensation for their psychological injuries. Despite the increased study of psychological injury within the legal system, there has been little empirical examination of how psychological injury evidence impacts legal decisions. To illuminate what is known (and not known) on this topic, this paper reviews legal and empirical research regarding how lega...

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...