Prior research has primarily concerned about identifying the standards affecting this new behaviors out-of individuals and loan providers With the borrower side, hard recommendations things such as for instance gender (Barasinska 2009), age, battle, psychological features (Sydnor and you may Pope 2009; Pope and you will Sydnor 2011), financing dimensions, borrower financial affairs (Collier and you can Hampshire 2010), credit scores, bank card use, and you may borrower info (Lin ainsi que al. 2009; Lin 2009; Serrano-Cinca mais aussi al.…