Earlier in the day research has mostly concerned about identifying the factors that affect the behavior away from borrowers and you can loan providers Towards borrower front, difficult guidance points eg sex (Barasinska 2009), decades, race, psychological provides (Sydnor and you will Pope 2009; Pope and you will Sydnor 2011), mortgage size, debtor economic points (Collier and you may Hampshire 2010), credit ratings, credit card have fun with, and you can debtor ideas (Lin ainsi que al. 2009; Lin 2009;…