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59 relations: Adam Smith, Annual percentage rate, Banking license, Bankruptcy, Basis point, Bond (finance), Collateral (finance), Commerce, Commercial credit reporting, Credit bureau, Credit card, Credit default swap, Credit history, Credit manager, Credit rating, Credit risk, Credit score, Credit theory of money, Credit union, Creditor, Debt, Debtor, Default (finance), Financial capital, Financial literacy, Financial market, Goods and services, Government debt, Insolvency, Installment loan, Interest, Latin, Line of credit, Loan, Money, Mortgage loan, Mutual credit, Payday loan, Payment protection insurance, Peer-to-peer lending, Percentage, Predatory lending, Real estate, Reciprocity, Reimbursement, Resource, Revolving credit, Risk, Risk–return spectrum, Secured loan, ..., Settlement (finance), Social credit, Stock, Subprime lending, Tax credit, Trade, Trade credit, Trust (emotion), Unsecured debt. Expand index (9 more) »
Adam Smith
Adam Smith (16 June 1723 NS (5 June 1723 OS) – 17 July 1790) was a Scottish economist, philosopher and author as well as a moral philosopher, a pioneer of political economy and a key figure during the Scottish Enlightenment era.
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Annual percentage rate
The term annual percentage rate of charge (APR), corresponding sometimes to a nominal APR and sometimes to an effective APR (or EAPR), is the interest rate for a whole year (annualized), rather than just a monthly fee/rate, as applied on a loan, mortgage loan, credit card, etc.
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Banking license
A banking license is a legal prerequisite for a financial institution that wants to carry on a banking business.
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Bankruptcy
Bankruptcy is a legal status of a person or other entity that cannot repay debts to creditors.
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Basis point
A basis point (often denoted as bp, often pronounced as "bip" or "beep") is (a difference of) one hundredth of a percent or equivalently one ten thousandth.
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Bond (finance)
In finance, a bond is an instrument of indebtedness of the bond issuer to the holders.
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Collateral (finance)
In lending agreements, collateral is a borrower's pledge of specific property to a lender, to secure repayment of a loan.
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Commerce
Commerce relates to "the exchange of goods and services, especially on a large scale.” Commerce includes legal, economic, political, social, cultural and technological systems that operate in any country or internationally.
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Commercial credit reporting
Commercial credit reporting is the maintenance and reporting of credit histories and risks for commercial companies.
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Credit bureau
A credit bureau is a collection agency that gathers account information from various creditors and provides that information to a consumer reporting agency in the United States, a credit reference agency in the United Kingdom, a credit reporting body in Australia, a credit information company (CIC) in India, Special Accessing Entity in the Philippines, and also to private lenders.
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Credit card
A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's promise to the card issuer to pay them for the amounts so paid plus the other agreed charges.
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Credit default swap
A credit default swap (CDS) is a financial swap agreement that the seller of the CDS will compensate the buyer in the event of a debt default (by the debtor) or other credit event.
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Credit history
A credit history is a record of a borrower's responsible repayment of debts.
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Credit manager
Credit management is the process of granting credit, the terms it's granted on and recovering this credit when it's due.
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Credit rating
A credit rating is an evaluation of the credit risk of a prospective debtor (an individual, a business, company or a government), predicting their ability to pay back the debt, and an implicit forecast of the likelihood of the debtor defaulting.
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Credit risk
A credit risk is the risk of default on a debt that may arise from a borrower failing to make required payments.
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Credit score
A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual.
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Credit theory of money
Credit theories of money (also called debt theories of money) are theories concerning the relationship between credit and money.
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Credit union
A credit union is a member-owned financial cooperative, controlled by its members and operated on the principle of people helping people, providing its members credit at competitive rates as well as other financial services.
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Creditor
A creditor is a party (for example, person, organization, company, or government) that has a claim on the services of a second party.
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Debt
Debt is when something, usually money, is owed by one party, the borrower or debtor, to a second party, the lender or creditor.
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Debtor
A debtor is an entity that owes a debt to another entity.
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Default (finance)
In finance, default is failure to meet the legal obligations (or conditions) of a loan, for example when a home buyer fails to make a mortgage payment, or when a corporation or government fails to pay a bond which has reached maturity.
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Financial capital
Financial capital is any economic resource measured in terms of money used by entrepreneurs and businesses to buy what they need to make their products or to provide their services to the sector of the economy upon which their operation is based, i.e. retail, corporate, investment banking, etc.
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Financial literacy
Financial literacy is the possession of the set of skills and knowledge that allows an individual to make informed and effective decisions with all of their financial resources.
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Financial market
A financial market is a market in which people trade financial securities and derivatives such as futures and options at low transaction costs.
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Goods and services
Goods are items that are tangible, such as pens, salt, apples, oganesson, and hats.
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Government debt
Government debt (also known as public interest, public debt, national debt and sovereign debt) is the debt owed by a government.
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Insolvency
Insolvency is the state of being unable to pay the money owed, by a person or company, on time; those in a state of insolvency are said to be insolvent.
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Installment loan
An installment loan is a loan that is repaid over time with a set number of scheduled payments; normally at least two payments are made towards the loan.
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Interest
Interest is payment from a borrower or deposit-taking financial institution to a lender or depositor of an amount above repayment of the principal sum (i.e., the amount borrowed), at a particular rate.
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Latin
Latin (Latin: lingua latīna) is a classical language belonging to the Italic branch of the Indo-European languages.
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Line of credit
A line of credit is credit source extended to a government, business or individual by a bank or other financial institution.
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Loan
In finance, a loan is the lending of money by one or more individuals, organizations, and/or other entities to other individuals, organizations etc.
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Money
Money is any item or verifiable record that is generally accepted as payment for goods and services and repayment of debts in a particular country or socio-economic context.
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Mortgage loan
A mortgage loan, or simply mortgage, is used either by purchasers of real property to raise funds to buy real estate, or alternatively by existing property owners to raise funds for any purpose, while putting a lien on the property being mortgaged.
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Mutual credit
"Mutual credit" (sometimes called "multilateral barter" or "credit clearing") is a term mostly used in the field of complementary currencies to describe a common, usually small scale, endogenous money system.
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Payday loan
A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a small, short-term unsecured loan, "regardless of whether repayment of loans is linked to a borrower's payday." The loans are also sometimes referred to as "cash advances," though that term can also refer to cash provided against a prearranged line of credit such as a credit card.
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Payment protection insurance
Payment protection insurance (PPI), also known as credit insurance, credit protection insurance, or loan repayment insurance, is an insurance product that enables consumers to ensure repayment of credit if the borrower dies, becomes ill or disabled, loses a job, or faces other circumstances that may prevent them from earning income to service the debt.
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Peer-to-peer lending
According to some finance regulators, while a legal definition of Peer-to-Peer P2P Lending is not yet in existence, the World Intellectual Property Organization (WIPO), the United States Patent and Trademark Office (USPTO) the Canadian Intellectual Property Office (CIPO) and the United States Government Accountability Office (GAO) acknowledge that Peer-to-Peer (P2P) Lending (synonymous with the term Person-to-Person Lending, "Private Lending", "Cryptolending"), also known as P2P Lending is the "practice of lending/investing or borrowing money from one private individual (or person) to another private individual (or person).
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Percentage
In mathematics, a percentage is a number or ratio expressed as a fraction of 100.
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Predatory lending
Predatory lending is the unfair, deceptive, or fraudulent practices of some lenders during the loan origination process.
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Real estate
Real estate is "property consisting of land and the buildings on it, along with its natural resources such as crops, minerals or water; immovable property of this nature; an interest vested in this (also) an item of real property, (more generally) buildings or housing in general.
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Reciprocity
Reciprocity may refer to.
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Reimbursement
Reimbursement is the act of compensating someone for an out-of-pocket expense by giving them an amount of money equal to what was spent.
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Resource
A resource is a source or supply from which a benefit is produced.
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Revolving credit
Revolving credit is a type of credit that does not have a fixed number of payments, in contrast to installment credit.
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Risk
Risk is the potential of gaining or losing something of value.
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Risk–return spectrum
The risk–return spectrum (also called the risk–return tradeoff or risk–reward) is the relationship between the amount of return gained on an investment and the amount of risk undertaken in that investment.
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Secured loan
A secured loan, is a loan in which the borrower pledges some asset (e.g. a car or property) as collateral for the loan, which then becomes a secured debt owed to the creditor who gives the loan.
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Settlement (finance)
Settlement of securities is a business process whereby securities or interests in securities are delivered, usually against (in simultaneous exchange for) payment of money, to fulfill contractual obligations, such as those arising under securities trades.
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Social credit
Social credit is an interdisciplinary distributive philosophy developed by C. H. Douglas (1879–1952), a British engineer who published a book by that name in 1924.
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Stock
The stock (also capital stock) of a corporation is constituted of the equity stock of its owners.
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Subprime lending
In finance, subprime lending (also referred to as near-prime, subpar, non-prime, and second-chance lending) means making loans to people who may have difficulty maintaining the repayment schedule, sometimes reflecting setbacks, such as unemployment, divorce, medical emergencies, etc.
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Tax credit
A tax credit is a tax incentive which allows certain taxpayers to subtract the amount of the credit they have accrued from the total they owe the state.
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Trade
Trade involves the transfer of goods or services from one person or entity to another, often in exchange for money.
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Trade credit
Trade credit is the credit extended by one trader to another for the purchase of goods and services.
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Trust (emotion)
In a social context, trust has several connotations.
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Unsecured debt
In finance, unsecured debt refers to any type of debt or general obligation that is not protected by a guarantor, or collateralized by a lien on specific assets of the borrower in the case of a bankruptcy or liquidation or failure to meet the terms for repayment.
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Bank credit, Consumer Credit, Consumer credit, Consumer lending, Consumer loan, Consumer-loan company, Credit (economics), Credit (finance), Credit (song), Credit supply, Credited, Crediting, Lending industry.
References
[1] https://en.wikipedia.org/wiki/Credit
