this study focused on examining the management strategies of perceived risk associated with moringa products by consumers in ilorin metropolis with view to rank the perceived risk associated with moringa product; assess the different strategies employed by consumers to manage or cope with the risk and to examine socio-economic determinants of consumers’ consumption behaviour in relation to the ...

The corporate credit risk literature has many studies modelling the change in the credit risk of corporate bonds over time. There is far less analysis of the credit risk for portfolios of consumer loans. However behavioural scores, which are commonly calculated on a monthly basis by most consumer lenders are the analogues of ratings in corporate credit risk. Motivated by studies in corporate cr...

The advent of rBGH (recombinant bovine growth hormone) has spurred the establishment of an organic milk industry. The food systems/commodity chain analytical framework cannot fully explain the rise of this new food. An adequate understanding of the consumer’s role in the food system/commodity chain requires more attention to consumption as a form of politics. One way to do this is to look at th...

Using social cognitive theory, this study experimentally examines the effects of explicit privacy warnings, a clear, conspicuous, and concise presentation of the benefits and risks associated with database information practices stated in a Web site’s privacy policy. Warnings increased perceptions of the risks associated with information practices and decreased disclosures, but not in the presen...

The Internal Ratings Based (IRB) approach suggested in the New Basel Accord regulations (BIS 2005) uses a capital allocation formula derived from a Merton style structural model of the credit risk of portfolios of corporate loans. Yet this formula is being applied in the case of consumer loans as well as corporate loans. This has highlighted that although there are a number of well established ...