Bank Loans - 1538 Words

BANK LOANS- statistics project on bank loans 1. Introduction This study has been conducted in order to obtain some extra information regarding credit retrieval from banks. We have collected data from 120 people which have contracted bank loans, by asking them to answer our questionnaire. The questionnaire consists of 15 interconnected questions we consider relevant and might help interpret the results better. In a loan, the borrower initially receives an amount of money, called the principal, from the lender, and is obligated to pay back or repay an equal amount of money to the lender at a later time. The loan is generally provided at a cost, referred to as interest on the debt, which provides an incentive for the lender to engage†¦show more content†¦[pic] 2.4. Children Children seem to play a major role in the decision of getting a bank loan of a person or couple. Out of the selected persons, only 27 did not have any children and most of them were in our youngest age group, fact that is understanble considering the implications that raising a child has. Most people had one or two children, but there were two cases in which the person had more than three children. [pic] 2.5. Education level As expected, the education level had a major impact on the number of loans accesed. The â€Å"wining† category was the bachelor degree one, as people from this group have a higher level of education and are prone to have better jobs, thus having more chances in receiving a loan from a bank. Furthermore, they are the ones that require more money for investments, which usually comes from banks. The sutyd revealed that 67 people with a bachelor degree had a loan, thus more than 50% of the total interviewed subjects. On the other hand, there were 23 people who had finished high school and responded positive, showing that loans for personal needs attract customers. [pic] 2.6. Profession Profession is linked in a way to the income of a person so it has a big impact on the results. Although we tried to offer a large variety of options, many of the interviewed volunteers chose the option â€Å"Other† . The graph speaks forShow MoreRelatedObtaining A Bank Loan Crisis3102 Words   |  13 PagesObtaining a bank loan, just as any debt, increases a government’s aggregate amount of debt. Additional debt is of concern for bondholders as it can weaken a government’s debt position. Knowledge of a government’s entire debt burden is essential in credit and risk analysis. Contingent liquidity risk Some bank loan agreements may have covenants or terms that may be more favorable to loan agreements over existing bonds. In some cases banks may be able to effectively prioritize repayment of a bank loan overRead MoreStudent Bank Loans? Essay576 Words   |  3 Pagesfinancial organizations like student bank loans. 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