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Replication Data: Debtor Income Manipulation in Consumer Credit Contracts

Creators: Vyacheslav Mikhed, Sahil Raina, Barry Scholnick, Man Zhang
Publication Date: 2024-03-07
Creators: Vyacheslav Mikhed, Sahil Raina, Barry Scholnick, Man Zhang

This dataset, hosted on Mendeley Data, contains the replication data for the study “Debtor Income Manipulation in Consumer Credit Contracts” (Mikhed, Raina, Scholnick & Zhang, 2024, Journal of Financial Economics). It includes consumer credit application and repayment data used to examine how debtors strategically misreport or manipulate income information in credit applications, and the consequences of such behaviour for lender outcomes, credit pricing, and default rates.

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