دانلود رایگان مقاله لاتین ریسک سطح وام گیرنده از سایت الزویر
عنوان فارسی مقاله:
بررسی ویژگی های ریسک سطح وام گیرنده از وام آموزش و پرورش در هند
عنوان انگلیسی مقاله:
Studying borrower level risk characteristics of education loan in India
سال انتشار : 2016
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بخشی از مقاله انگلیسی:
Multivariate analysis—logistic regression estimation for predicting default risk
We have used logistic regression technique to examine how various borrower specific as well as loan specific factors (qualitative as well quantitative) along with situational factors (location and local factors) influence the probability of a loan default. Logistic regression is a useful tool for analysing data that include binary dependent variables like default and nondefault status of an account (coding of NPA vs. not NPA into 1, 0 mode). Logistic regression is non-linear transformation of the linear regression model that determines the probability that the borrower will default because of other causative factors such as absence of security, margin, lack of placement, and so on. However, unlike ordinary least square (OLS), it does not require assumptions about normality. The dependent variable is log odds ratio Default (D) over NonDefault (ND) or logit. Note that Prob (D) + Prob (ND) = 1. The probability of the outcome is measured by the odds of occurrence of an event. If the symbol “P” is the probability of a default event, then (1-P) is the probability of it not occurring.
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کلمات کلیدی:
STUDYING BORROWER LEVEL RISK CHARACTERISTICS OF ... https://www.researchgate.net/.../308305890_STUDYING_BORROWER_LEVEL_RISK_... Official Full-Text Publication: STUDYING BORROWER LEVEL RISK CHARACTERISTICS OF EDUCATION LOAN IN INDIA on ResearchGate, the professional ... [PDF]Credit risk characteristics of U.S. small business portfolios https://www.esmt.org/sites/default/files/cfra-efm2017_pisa.pdf by D BAMS - 2016 - Cited by 2 - Related articles Nov 3, 2016 - capital charges on corporate loans were calibrated to loan-level .... common to all borrowers, while the firm-specific risk factor εi,t stands for ... As we are interested in downturn risk, we study the probability of two borrowers. [PDF]Loan Characteristics and Credit Risk - Bank for International Settlements https://www.bis.org/bcbs/events/wkshop0303/p03jimesaur.pdf by G Jiménez - 2002 - Cited by 16 - Related articles Mar 21, 2003 - maturity, ceteris paribus, the greater the risk of the borrower's ... credit policies that differ from those of banks in terms of levels of risk. ... This study analyses the impact of the characteristics of credit loans on default rates by. [PDF]The Characteristics Associated with Student Loan Default at ... - TG www.tgslc.org/pdf/tamu_default_study.pdf The Characteristics Associated with Student. Loan Default at Texas A&M ..... Highest Level Attained . ...... The study regards a borrower as being in default if the borrower defaulted .... influence on college outcomes and student loan default risk. The Relationship Between Credit Default Risk And Borrower ... business.uonbi.ac.ke/node/5324 The study found out that a number of borrower characteristics affect Credit Default Risk among them level of income, age, life style and borrowers' level of self ... Mortgage Lending, Racial Discrimination, and Federal Policy https://books.google.com/books?isbn=0877666563 John M. Goering, Ronald E. Wienk - 1996 - Social Science Under these circumstances, a default study should find no significant ... in the default likelihoods of the different racial groups, controlling for other characteristics. ... the differences in default likelihoods among white and black FHA borrowers. ... (because of their higher level of credit risk, controlling for observable factors) is ... [PDF]Borrower Risk and the Price and Nonprice of Terms of Bank Loan https://www.newyorkfed.org/medialibrary/media/research/staff_reports/sr90.pdf by PE Strahan - 1999 - Cited by 294 - Related articles LPC data to explore how borrower risk characteristics are related to the likelihood ... private contracts, researchers can rarely collect a large sample to study. ..... higher levels of current profits will be able to borrow more from banks (as well as ...
