Home  Journals  Economic Analysis: Theory and Practice  26(155) - 2009 September

Evaluation of borrower’s solvency in personal (consumer) lending

Available online: 10 November 2009

Subject Heading: Bankruptcy

JEL Classification: 

Lending based on questionnaires led to broad nonpayments during crises. Risks of borrower’s insolvency should be estimated upon a wide scale of factors: salary, economic activity, age of borrower, family members, education level, property, health condition, level of expenditures, voluntary medical insurance, traveling abroad during the last year, own business as a source of additional income.

Keywords: personal, lending, solvency, risk, bank

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ISSN 2311-8725 (Online)
ISSN 2073-039X (Print)

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