Some Characteristics of Credit Behavior in Novosibirsk Oblast in Retail Lending Sector
The article demonstrates the differences in debtors' behavior in Novosibirsk Oblast based on their sex, age, education and civil status before the crisis, during the crisis and after the crisis during the economic recovery. Standard hypotheses about debtors' behavior in a region were tested, including one about the changing in behavior of different groups of debtors. We received precise assessments characterizing borrowing capacity and solvency of debtors in Novosibirsk Oblast.