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Presentation and Perception: The Effect of Disclosure Readability on Lending Decisions (thesis)
This paper examines the effect readability has on the perceived creditworthiness of borrowers. I find that reduced readability increases the likelihood that borrowers objectively deserving of an unfavorable credit rating ...
The Injustice of Giving: Income and Racial Inequality in the United States Loanable Funds Market
The loanable funds market plays an incredibly important role in the lives of almost every American. The mortgages, car leases, business loans, and student loans that generations of Americans have relied on to provide capital ...