Earlier studies have mostly worried about determining elements that affect the behaviors out-of borrowers and you can lenders

Earlier studies have mostly worried about determining elements that affect the behaviors out-of borrowers and you can lenders Toward borrower side, difficult pointers products including intercourse (Barasinska 2009), years, race, mental enjoys (Sydnor and you can Pope 2009; Pope and you can Sydnor 2011), financing proportions, debtor financial situations (Collier and you may Hampshire 2010),…