Publication Date

1-1-1992

Document Type

Dissertation/Thesis

First Advisor

Newman, Joseph A.

Degree Name

B.S. (Bachelor of Science)

Department

Department of Finance

Abstract

For my capstone project, I have studied the profitability of installment loans for banks. To begin my paper, I start with the history of consumer credit: how it began, what it is now, and the legislation that rules it. I then go on to explain the different types of loans that are regulated by the legislation. These different types of loans are then broken down into two subtypes that are the focus of the paper -- direct and indirect loans. These loans are explained from the overall banking perspective. Next, I apply the information given in the start of the paper to a direct example using actual data gathered from a midsize bank in the DeKalb area. This actual data is put through a regression analysis to arrive at a final decision about which type of loan, direct or indirect, is more profitable for the bank.

Extent

17 pages

Language

eng

Publisher

Northern Illinois University

Rights Statement

In Copyright

Rights Statement 2

NIU theses are protected by copyright. They may be viewed from Huskie Commons for any purpose, but reproduction or distribution in any format is prohibited without the written permission of the authors.

Media Type

Text

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