Borrower characteristics and relationship lending on lending decision making: a survey of literature

I Gde Kajeng Baskara, Ubud Salim, Djumahir D. and Atim Djazuli
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I Gde Kajeng Baskara: University of Udayana
Ubud Salim: University of Brawijaya
Djumahir D.: University of Brawijaya
Atim Djazuli: University of Brawijaya

Russian Journal of Agricultural and Socio-Economic Sciences, 2016, vol. 60, issue 12, 199-208

Abstract: The purpose of this article was to explore and analyze the earlier findings and latest research-related on lending decision making. The review focuses on the borrower characteristic information and relationship lending on lending decision making. Previous research revealed that the borrower characteristic information produced through the so-called lending technology, and the characteristics of the borrower can be classified into two categories; qualitative characteristic and quantitative characteristics. The results of this review also showed that there were inconsistencies findings on the effects of the characteristics of the borrower and relationship lending on lending decision making. These finding inconsistencies allegedly influenced by organizational factors and banks loan officer psychological factors as decision makers in the lending decision making.

Keywords: LENDING DECISION MAKING; BORROWER'S CHARACTERISTIC; RELATIONSHIP LENDING; LENDING TECHNOLOGY (search for similar items in EconPapers)
Date: 2016
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