Analysing credit risk in persons with disabilities as an instrument of financial inclusion (Record no. 533028)
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| 000 -LEADER | |
|---|---|
| fixed length control field | 02077nam a22001457a 4500 |
| 008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION | |
| fixed length control field | 260413b ||||| |||| 00| 0 eng d |
| 100 ## - MAIN ENTRY--PERSONAL NAME | |
| Personal name | Lara-Rubio, Juan Galvez-Sánchez, Francisco J. and Navarro-Galera, Andrés |
| 245 ## - TITLE STATEMENT | |
| Title | Analysing credit risk in persons with disabilities as an instrument of financial inclusion |
| 260 ## - PUBLICATION, DISTRIBUTION, ETC. (IMPRINT) | |
| Place of publication, distribution, etc | Journal of Social and Economic Development |
| 300 ## - PHYSICAL DESCRIPTION | |
| Extent | 27(2), Aug, 2025: p.581-603 |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc | In many countries, the full financial inclusion of persons with disabilities remains to be achieved. Although researchers and international organisations observed that financial inclusion would be facilitated by analysis of solvency, the causes of default risk among this population have yet to be established. Our study, applied to loans made by a Spanish bank to 785 persons with disabilities, identifies several factors relevant to the default risk of this population. The findings show that the purpose of the loan, the borrower’s degree of liquidity and financial leverage, economic context of GDP and risk premium all influence the probability of default of persons with disabilities. These risk factors have a similar impact to that observed in persons without disabilities. Our conclusions can be interesting in the negotiation of bank loans for persons with disabilities and also for bank managers, politicians, government managers, international organisations and other stakeholders concerned about financial inclusion. For developing countries our findings can have a high favourable impact on the financial inclusion of these people, due to their high number in these countries. Furthermore, our conclusions raise the usefulness of adopting political measures such as tax advantages or regulation of specific criteria to evaluate the default risk of these people.-Reproduced https://link.springer.com/article/10.1007/s40847-024-00346-4 |
| 650 ## - SUBJECT ADDED ENTRY--TOPICAL TERM | |
| Topical term or geographic name as entry element | Disability, Financial inclusion, Credit risk, Logit, Neural network, Basel III |
| 9 (RLIN) | 60091 |
| 773 ## - HOST ITEM ENTRY | |
| Main entry heading | Journal of Social and Economic Development |
| 942 ## - ADDED ENTRY ELEMENTS (KOHA) | |
| Item type | Articles |
| Withdrawn status | Lost status | Source of classification or shelving scheme | Damaged status | Not for loan | Permanent location | Current location | Date acquired | Serial Enumeration / chronology | Barcode | Date last seen | Koha item type |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Indian Institute of Public Administration | Indian Institute of Public Administration | 2026-04-13 | 27(2), Aug, 2025: p.581-603 | AR138540 | 2026-04-13 | Articles |