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Agyekum, K, Adinyira, E, Baiden, B, Ampratwum, G and Duah, D (2019) Barriers to the adoption of green certification of buildings. Journal of Engineering, Design and Technology , 17(05), 1035–55.

Al-Saeed, Y, Parn, E, Edwards, D J and Scaysbrook, S (2019) A conceptual framework for utilising BIM digital objects (BDO) in manufacturing design and production. Journal of Engineering, Design and Technology , 17(05), 960–84.

Gamil, Y and Rahman, I A R (2019) Awareness and challenges of building information modelling (BIM) implementation in the Yemen construction industry. Journal of Engineering, Design and Technology , 17(05), 1077–84.

He, W, Shi, Y and Kong, D (2019) Construction of a 5D duration and cost optimisation model based on genetic algorithm and BIM. Journal of Engineering, Design and Technology , 17(05), 929–42.

Hussin, M H, Othman, N H and Wan Ibrahim, M H (2019) Carbonation of concrete containing mussel (Perna viridis) shell ash. Journal of Engineering, Design and Technology , 17(05), 904–28.

Koranteng, C, Simons, B and Essel, C (2019) Climate responsive buildings: a comfort assessment of buildings on KNUST campus, Kumasi. Journal of Engineering, Design and Technology , 17(05), 862–77.

Okojie, D E, Jimoh, A A, Hamam, Y and Yusuff, A A (2019) Optimal capacity utilisation of transmission lines network in power flow operations: a survey. Journal of Engineering, Design and Technology , 17(05), 1056–76.

Owusu-Manu, D, Asiedu, R O, Edwards, D J, Donkor-Hyiaman, K, Abuntori, P A and El-Gohary, H (2019) An assessment of mortgage loan default propensity in Ghana. Journal of Engineering, Design and Technology , 17(05), 985–1017.

  • Type: Journal Article
  • Keywords: Ghana; Customers; Mortgage; Default; Low-income groups;
  • ISBN/ISSN: 1726-0531
  • URL: https://doi.org/10.1108/JEDT-01-2019-0016
  • Abstract:
    Credit market development requires appropriate credit assessment and default policies. This paper aims to examine the impact of household characteristics on mortgage default, using survey data collected from Ghanaian financial institutions. Design/methodology/approach Data were gathered using semi-structured questionnaires from customers of five universal banks in Ghana. A logistic regression was used to model the determinants of credit default propensity. Findings Contrary to established knowledge, the study shows that females are more likely to default on credit than their male counterparts. This is even more likely if the female is older, unmarried, divorced and financially illiterate and has lower educational attainments. These factors are associated with lower earning capacity, which increases default tendencies. The findings confirm that price instability (typified by excessive movements in inflation and exchange rates in addition to low national savings rate) are adversely linked to credit defaults. Borrower’s perception of constraints to credit access (such as collateral requirements, interest rate and loan size) influence credit default. Banks should be encouraged to invest in the financial literacy skills development of their customers to mitigate credit default tendencies. Social implications The study is of practical value to credit officers and the development of the credit market in Ghana. A novel model is presented for assessing credit applications and developing credit default policies. Originality/value The research findings have not only expanded the frontiers of literature but also empirically examined the determinants of credit default propensity, which provides a basis for developing and improving credit default policy in the credit market.

Pornthepkasemsant, P and Charoenpornpattana, S (2019) Identification of factors affecting productivity in Thailand’s construction industry and proposed maturity model for improvement of the productivity. Journal of Engineering, Design and Technology , 17(05), 849–61.

Rajabion, L, Wakil, K, Badfar, A, Mojtabavi Naeini, S and Zareie, B (2019) A new model for assessing the impact of ICT and digital knowledge on students’ thoughts and beliefs. Journal of Engineering, Design and Technology , 17(05), 943–59.

Santhosh, C (2019) Impact of determinants on early internationalization. Journal of Engineering, Design and Technology , 17(05), 1018–34.

Thanaraj, D P, N., A and Arulraj, P (2019) Experimental investigation of mechanical properties and physical characteristics of concrete under standard fire exposure. Journal of Engineering, Design and Technology , 17(05), 878–903.