Sökning: "consumer lending"

Visar resultat 1 - 5 av 22 uppsatser innehållade orden consumer lending.

  1. 1. Liten tuva stjälper ofta stort lass : En studie om hur varnande berättelser kan utformas för att påverka unga vuxnas attityder till konsumtionskrediter

    Kandidat-uppsats, Mälardalens universitet/Akademin för innovation, design och teknik

    Författare :Lovisa Vestling; [2023]
    Nyckelord :information design; storytelling; narrative persuasion; narrative impact; consumer credit; over-indebtedness; public communication campaign; informationsdesign; berättarteknik; narrativ övertalning; narrativ påverkan; konsumtionskredit; överskuldsättning; offentlig kommunikationskampanj;

    Sammanfattning : The behaviour of taking out unsecured loans to purchase goods or services is in danger of causing over-indebtedness, especially among young adults. The lending of consumer credits is closely associated with inadequate creditworthiness assessments as well as high interest rates, which implicates that borrowers with narrow margins are granted loans that they are later unable to repay. LÄS MER

  3. 2. The value of detailed product information in credit risk prediction : A case study applied to Klarna’s Pay Later orders in Sweden

    Master-uppsats, KTH/Skolan för industriell teknik och management (ITM)

    Författare :Mimmi Andersson; Louise von Sydow Yllenius; [2022]
    Nyckelord :Credit Risk Management; Consumer Credit; BNPL; Credit Scoring; Alternative Data; Product Category; Product Type; Responsible Lending; e-commerce; Kreditriskbedömning; BNPL; konsumenkredit; alternativ data; produktkategori; produkttyp; hållbar kreditgivning; onlinehandel;

    Sammanfattning : In this study we propose to enhance the predictive power of a Buy Now, Pay Later (BNPL) consumer credit scorecard by leveraging detailed product information. The object of analys is in this study is Klarna Bank AB, which is the largest retail finance provider in Sweden. LÄS MER

  4. 3. Rereuse : Cirkulärt återlämningssystem för flergångsmuggar

    Uppsats för yrkesexamina på grundnivå, Högskolan i Halmstad/Akademin för företagande, innovation och hållbarhet

    Författare :André Stadelmann; Pontus Skastierna; [2021]
    Nyckelord :;

    Sammanfattning : Rereuse is a circular lending system for reusable mugs that aims to replace disposable cups incafés and kiosks that sell beverage mugs. Studies from the Swedish Environmental Institute estimate that 500 to 1000 million disposable cups are used annually and that not even 1 percent of these mugs are recycled. LÄS MER

  5. 4. The Precarious Issue of Residential Development Financing : A Medium Sized Developer’s Troublesome Reality

    Master-uppsats, KTH/Fastigheter och byggande

    Författare :Daniel Max; Victor Spolander; [2021]
    Nyckelord :Residential Development Financing; Debt Capital; Alternative Financing Solutions; Finansiering av Bostadsutveckling; Lånefinansiering; Alternativa Finansieringslösningar;

    Sammanfattning : Residential real estate development is a capital-intensive business with a lot of risks involved, particularly according to Swedish banks. Since the price fall and decreased consumer confidence on the housing market in 2017, banks have become considerably more restrictive with regards to their approval of construction credit, especially towards smaller and medium sized actors on the residential real estate development market. LÄS MER

  7. 5. Marketplace lending - A study of the relationship between alternative lenders and commercial banks

    C-uppsats, Handelshögskolan i Stockholm/Institutionen för finansiell ekonomi

    Författare :Anna Lindell; Cajsa Sernelin; [2020]
    Nyckelord :Marketplace Lending; FinTech; Consumer Credit; FAS 166 167; P2P lending;

    Sammanfattning : Using a conceptual framework developed by Tang (2019), this paper examines whether Marketplace lending platforms operate as substitutes or complements to bank lending in terms of borrower credit quality and loan size. Employing data on 85,660 loans funded by LendingClub from 2009-2012, we investigate the relative difference in U.S. LÄS MER