This research explores most dominant lending product to population of Bosnia and Herzegovina, a consumer loan, with aim to answer the question of what factors trigger loan repayment failure. It explores relation of borrower characteristics such as gender, age, level of indebtness to likeliness of loan repayment by use of probit on banking data sample representing 39% of the market share in the country. It identifies factors which lead to loan repayment failure and also provides exact empirical model for default prediction at loan approval stage. Main audience of this research should be banks, which could use the finding of the study to adjust their credit policies and risk appetite to ensure that lending losses from this strongly present product are minimized, thus leading to stable and financially sound banking sector.
Fruit and vegetables are an important sector of agricultural production in Bosnia and Herzegovina, as they ensure population food suffi ciency as well as income for rural farms. In Bosnia and Herzegovina, the market supply chain of fruit and vegetables is short, which means that the products are sold near the production site or at local markets. Longer market chains are largely not represented because the producers remain passive and have no contractual relationship with wholesalers and retailers.
Nema pronađenih rezultata, molimo da izmjenite uslove pretrage i pokušate ponovo!
Ova stranica koristi kolačiće da bi vam pružila najbolje iskustvo
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