Risk-based pricing in consumer credit interest rates

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Thesis Type: Postgraduate

Institution Of The Thesis: Dokuz Eylül University, Sosyal Bilimler Enstitüsü, İktisat Ana Bilim Dalı, Turkey

Approval Date: 2010

Thesis Language: Turkish

Student: ERAY YEDİLER

Supervisor: HAKAN KAHYAOĞLU

Open Archive Collection: AVESIS Open Access Collection

Abstract:

Customers who use consumer credit debt personal loans with repayment performance of the movement in prices is possible to create differentiation. Consumer loans for customers who use credit repayment performance and some demographic and financial variables in question is the relationship between. The data obtained from this relationship, depending on the customer's use and / or use personal loans to be created in the prices of different bankers an important insight is the data source. The Turkish banking sector's most established and one of the big banks that are used by the individual credit installment inventory data obtained from us some demographic and financial variables for customers to pay credit debt have an effect on performance showed. Accordingly, the loan's financial institutions, that data by taking into account customers' credit debt repayments will be able to guess about the performance. These estimates result depending on the different financial instruments to go to become the lowest risk / profit balance can be reached.