Love & Loans: The Effect of Beauty and Personal Characteristics in Credit Markets

By Enrichetta Ravina. 2012

358 citations recorded by the source corpus.

Subfields: Accounting, Economics and Econometrics

View Paper: https://www.semanticscholar.org/paper/d7c3098f185b67cd249b270544058a1b159653f8

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Citations in the corpus

Microfinance Decision Making: A Field Study of Prosocial Lending (2011, neutral): “Field partner risk rating also speaks to the creditworthiness of the borrower, an issue important in person-to-person lending literature (Pope and Sydnor 2011; Ravina 2010).”
Peer to Peer Lending: The Relationship Between Language Features, Trustworthiness, and Persuasion Success (2011, background): “These applications have focused on exchanges of product information (Flanagin, 2007; Yang et al., 2006), socio-emotional contents (Tidwell & Walther, 2002), and presentation of nonverbal cues (Pope & Sydnor, in press; Ravina, 2008).”
Screening Peers Softly: Inferring the Quality of Small Borrowers (2016, neutral): “Pope and Sydnor (2011), Ravina (2012), and Theseira (2009) examine whether these markets display discrimination based on personal attributes, such as race and physical appearance.”
Fooled by first impressions? Reexamining the diagnostic value of appearance-based inferences (2010, neutral): “…Goren, Chaiken, & Todorov, 2009; Olivola & Todorov, in press), business/finance (Gorn, Jiang, & Johar, 2008; Naylor, 2007; Pope & Sydnor, 2008; Ravina, 2008; Rule & Ambady, 2008b), law/forensic-science (Blair, Judd, & Chapleau, 2004; Eberhardt, Davies, Purdie-Vaughns, & Johnson, 2006;…”
Emergence of Financial Intermediaries in Electronic Markets: The Case of Online P2P Lending (2009, neutral): “In contrast to Ravina (2008), they find that blacks have a higher relative default rate than white borrowers.”
Trust and Credit: The Role of Appearance in Peer-to-peer Lending (2012, methodology): “See, for instance, Wageman (1950), Pace and Simonson (1977), and Beaulieu (1994).”
Crowdfunding: A Literature Review and Research Directions (2014, positive): “It has been found that these soft facts have a positive effect on establishing trust and thus influence the likelihood of successful financing, lower interest rates and a decrease in the probability of loan defaults (Allison et al., 2014; Berkovich, 2011; Duarte et al., 2012; Gao & Lin, 2014; Herzen”
Peer-to-Peer Crowdfunding: Information and the Potential for Disruption in Consumer Lending (2015, neutral): “Ravina (2012) shows that investor-lenders in a P2P platform bias toward attractive photographs, and that this bias is irrational.”
Entrepreneurial finance, credit cards, and race☆ (2012, background): “23 – accords well with existing empirical evidence on discrimination-based frictions in lending markets (Fairlie and Robb, 2008; Ravina, 2008; Pope and Sydnor, 2010).”