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Vedika Saxena

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Open access Sep 2026

When Culture Becomes A Credit Risk: What Lenders Are Getting Wrong

Credit decisions at lending institutions are expected to reflect a borrower’s creditworthiness and ability to repay. Yet, credit officers routinely and subconsciously allow cultural biases based on caste, religion, ethnicity, or community to contaminate their loan decisions. Biased credit decisions can result in loan a...

Vedika Saxena · 0 citations

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