On debtor front side, difficult guidance affairs for example gender (Barasinska 2009), years, competition, emotional keeps (Sydnor and you can Pope 2009; Pope and you will Sydnor 2011), financing size, borrower economic things (Collier and Hampshire 2010), fico scores, credit card play with, and you may debtor facts (Lin ainsi que al. 2009; Lin 2009; Serrano-Cinca mais aussi al. 2015) influence if the individual will standard towards financing.
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