How Loyalty Effect Consumer Credit Risk?: A Relationship Model of Loyalty, Delinquency and Profitability in Personal Loan Portfolio - Softcover

Prihartono, Aditya Galih; Sumarwan, Ujang; Kirbrandoko, Noer Azam Achsani

Softcover

ISBN 10: 3659136328 ISBN 13: 9783659136320

Publisher: LAP LAMBERT Academic Publishing, 2012

Synopsis

How Loyalty Effect Consumer Credit Risk? There were many earlier studies regarding loyalty concept and its relationship to the level of sales, financial performance and market share in banking and consumer credit industry. However, there has not been a study that specifically link between loyalty to credit risk, one of the most important factors in consumer credit portfolio performance measurement. The purpose of this study was to further test, how loyalty effect consumer credit risk? A loyal customer with financial stress, will they still make a payment and perform a better payment pattern then the less loyal one? What can be done to improve loyalty from customer's demography perspective and thus improve profitability ? Those questions will be the main topic to be answered with simple approach through Path Analysis, Multiple Regression, K-means Algorithm and ANOVA. All questions were solved with significant evidence.

About this title

About the Author

Aditya Galih Prihartono, born in Jakarta, September 19, 1977. Achieving Doctorate degree in Business & Management from Bogor Agricultural University with main research in Consumer Credit. Professional career at GE Consumer Finance Asia, HSBC and Citibank Indonesia with latest position as Head of Strategic Development Unit.

Edition details

• Publisher: LAP LAMBERT Academic Publishing
• Publication date: 2012
• Language: English
• ISBN 10: 3659136328
• ISBN 13: 9783659136320
• Binding: Paperback
• Number of pages: 152