by Wong Chi-lun and Chiu Man. / Thesis (M.B.A.)--Chinese University of Hong Kong, 1981. / Bibliography: p. leaves 140-141.

Call number: LD2668 .T4 1964 R31 / Master of Science

Thesis (Ph. D.)--University of Chicago, Dept. of Economics, August 2003. / Includes bibliographical references. Also available on the Internet.

The purpose of the study was to determine the perceptions of Ball State University students who participated in the Guaranteed Student Loan Program and withdrew from school before completing a degree program. Specifically, the study was concerned with: (1) Determining the perceptions of identified students in areas of financial concern with regard to borrowing through the Guaranteed Loan Program; (2) determining the perceptions of the borrowers as related to selected personal areas with regard to borrowing through the loan program; (3) identifying the opinions of students regarding participation in the loan program as related to the appropriateness of the program, basis for eligibility, repayment plans, advice to prospective borrowers and the overall experience of borrowing through the Guaranteed Student Loan Program.A review of literature pertaining to guaranteed loan programs was made and a questionnaire was sent to a random sample of 100 students who had participated in the Guaranteed Student Loan Program but withdrew from Ball State University before completing a degree. Seventy-one borrowers returned a completed questionnaire.The analysis of data revealed that Ball State University students who borrowed through the Guaranteed Student Loan Program but left school prior to graduation were usually single at the time of borrowing but tended to marry at a later date, were not dependent on parents for financial support and came from homes of parents having a wide range of annual gross incomes. The identified dropouts were more likely to borrow through the loan program than obtain money for education expenses from any other source, did not, use the money for purposes other than education and tended not to default on repayment to the lender of the loan or declare bankruptcy. The student borrower accepted full responsibility for repayment of the loan in a majority of the cases.Ball State University dropouts did not perceive the influence of borrowing through the Guaranteed Student Loan Program as an inclination to be more susceptible to borrowing, interfering with the choice of a marriage partner or affecting decisions regarding size of family. The student borrowers perceived the loan program as a positive effect on the decision to attend college but not on the selection of Ball State University as the institution of higher education to attend.The identified borrowers indicated the amount borrowed as being appropriate, the overall borrowing experience as satisfactory but believed the basis for repayment should have been a combination of the amount borrowed and the borrower's income after leaving college.There was no significant relationship between the amount of money borrowed by the Ball State University dropouts and the use of the money for purposes other than education expenses, defaulting on repayment, necessity to borrow after leaving college due to the debt accrued by the loan, the influence of borrowing on the borrowers' ability to purchase certain consumer items, or the overall experience of borrowing through the Guaranteed Student Loan Program.

Thesis (M.A.)--Guo li zheng zhi da xue, 1973. / Cover title. On double leaves. Includes bibliographical references.

Dissertation (MA) -- AUT University, 2008. / Includes bibliographical references. Also held in print ( leaves : ill. ; 30 cm.) in the Archive at the City Campus (T 332.7430993 THO)

A brief survey of the supply of and the demand for consumer credit in Canada discloses a dynamic situation. The increasing income of the Canadian population, among other factors, has brought about changing conditions in this market. One of the most significant changes may be the increased sensitivity of the consumer to finance rates and interest charges. This increase in consumer sensitivity to finance rates may explain the past changes in shares of the consumer credit market that are serviced by the various financial intermediaries. The most significant share of consumer credit market changes have been the gains by the chartered banks and credit unions and the loss experienced by the sales finance companies. This may represent a consumer borrower switch from a higher cost lender (the sales finance companies) to lower cost lenders (the chartered banks and credit unions). This switch may be explained by an increase in consumer sensitivity to finance rates. A model developed by F. Thomas Juster and Robert P. Shay, predicting increased consumer sensitivity to finance rates, is used to forecast future possible share of consumer credit market that may be serviced by sales finance companies. The results are a forecasted decline in the share of a particular segment of the consumer credit market that may be serviced by the sales finance companies. This forecast is the basis for a discussion of strategy and policy decisions that must be made by the management of sales finance companies. Some of the alternative strategies are explored. The conclusion reached is that the sales finance companies will have a difficult time forestalling a loss in share of the consumer credit market. Their most productive competition strategy may be to concentrate their resources in particular segments of the consumer credit market that are not immediately accessible to the lower cost lenders. Sales finance companies may also find that a strategy of diversification, within and without the consumer credit area, is productive. / Business, Sauder School of / Graduate

by Chiu Kwok-yuan, Edward & Man Kin-wah, Andy. / Thesis (M.B.A.)--Chinese University of Hong Kong, 1988. / Bibliography: leaves 107-108.

Thesis (M.B.A.)--University of North Carolina Wilmington, 2008. / Title from PDF title page (viewed May 27, 2009) Includes bibliographical references (p. 43-48)

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