Essays about: "repayment ability"

Showing result 1 - 5 of 14 essays containing the words repayment ability.

  1. 1. Machine Learning Model for Predicting the Repayment Rate of Loan Takers

    University essay from Umeå universitet/Institutionen för fysik

    Author : Emma Oskarsson; [2021]
    Keywords : ;

    Abstract : Machine Learning (ML) uses statistics to find patterns in high dimensional data. The Swedish Board of Student Finance (CSN) wants to improve the way they classify new loan takers. Using Machine Learning (ML) on data from previous loan takers can establish patterns to use on new loan takers. READ MORE

  3. 2. The impact of socio-economic factors and attributes on repayment ability in Microfinancing : A study of microfinance programs in the Amhara region

    University essay from Södertörns högskola/Nationalekonomi

    Author : Zeinab Hassano; Felicia Nordgren; [2020]
    Keywords : Microfinance; Psychometrics testinMicrofinance; Psychometrics testing; Group-lending; Disruptive technology; Ethiopia; repayment ability; collateral constraints;

    Abstract : An insufficient financial market means that poor individuals cannot access financial capital, making it difficult for them to generate a stable income. Formal banks see these individuals as unreliable customers because of their financial background and see a risk that these potential customers will not repay their loans, which would put the bank at risk. READ MORE

  4. 3. Forecast Modelling of Future Events that Affect the Repayment Capacity of Mortgages

    University essay from KTH/Hälsoinformatik och logistik

    Author : Alexander Nordlund; Niklas Ålander; [2019]
    Keywords : Mortgage calculator; forecast modelling; loss of income; pension; foreign currency; depreciation; interest rate; left-to-live-on; surplus; deficit; Boendekalkyl; prognosmodellering; inkomstbortfall; pension; utländsk valuta; värdeminskning; ränta; kvar att leva på; överskott; underskott;

    Abstract : The Swedish Financial Supervisory Authority introduced new guidelines and regulations on March 1, 2019. These regulations induced Swedish banks and other creditors to consider future events as a mean to improve their ability to determine the risk of debtors. A forecast generator was created as a tool to accomplish this. READ MORE

  5. 4. Structural Modelling of Credit Spreads on the European Bond Market: An Empirical Study

    University essay from Lunds universitet/Matematisk statistik

    Author : Marcus Zethraeus; Magnus Roos; [2017]
    Keywords : Structural models; Merton model; Black Cox model; European corporate bond spreads; Mathematics and Statistics;

    Abstract : This thesis empirically tests the explanatory power of structural models on the European corporate bond market. Using new evaluation methods, including LASSO and gradient boosting regression, we can provide an in-depth assessment of the models’ shortcomings. READ MORE

  6. 5. Credit Risk Assessment of Real Estate Companies : How does the Credit Assessment of Banks and Bond Investors Differ?

    University essay from KTH/Fastigheter och byggande

    Author : Linnéa Hellström Ängerud; [2017]
    Keywords : Credit risk; credit risk assessment; bonds; bond investor; bank loan; kreditrisk; kreditbedömning; banklån; obligation; obligationsinvesterare;

    Abstract : The vast majority of the Swedish real estate companies are to some extent financed by debt and are dependent on external capital when expanding their business. Swedish real estate companies have traditionally financed their business through bank loans, but as a result of – among other things – stricter regulations, an increasing share of the Swedish real estate companies seek funding in the capital market, and corporate bonds in particular have emerged as an alternative to bank loans. READ MORE