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CONSUMER LENDING - Coggle Diagram
CONSUMER LENDING
Legal Aspects
Hire-Purchase Act, 1967
Moneylenders Act, 1951
Pawnbrokers Act, 1972
Banking and Financial Institutions Act, 1989
Islamic Banking Act, 1983
Sales of Good Act, 1957
Evaluating Consumer Loans
Character
Capacity
Collateral
Credit Scoring
Advantages
Large Volume
Speedy Processing
Low Operating Cost
Precautions
Pricing And Structuring
Loan Pricing
Loan Structuring
TYPES
Credit Cards
Consumer Benefits
Convenience
Monthly Summary
Financial Freedom
Card Provider Benefits
High risk adjusted return
Huge market
High Interest rates
4 Step Assessment
Personal Loan
2-5 Years monthly installment
Overdrafts
LVR 40%-70%
7 Steps Assessment