Reuters  Nov 14  Comment 
Investors in marketplace loans, where borrowers and funders are matched in online platforms, need to have adequate information about borrowers' abilities to repay the debts, the U.S. Securities and Exchange Commission chair said on Monday.
The Economic Times  Nov 9  Comment 
The trio of Oriental Bank of Commerce (OBC), Bank of India (BoI) and Punjab National Bank (PNB) has been the worst in transmitting the lower cost of funds to base-rate borrowers.
The Hindu Business Line  Sep 14  Comment 
Will help lenders know which borrowers are more likely to default  Jun 2  Comment 
Consumer Financial Protection Bureau seeks to require lenders to check if people can afford to repay as critics accuse agency of ignoring credit needs of poor The US government announced plans on Thursday to regulate the controversial $38.5bn...
The Economic Times  May 8  Comment 
Expressing concerns over loan disbursal under MUDRA scheme, traders body CAIT today said the benefits are yet to reach the last mile borrower.
The Hindu Business Line  Jan 5  Comment 
By planning bond issuances in advance and offering the right mix of instruments, the govt has been able to borrow at a stable 7.8-8%
The Hindu Business Line  Jan 5  Comment 
As a borrower, you have reason to cheer now as lending rates have started moving downwards. But not-so-long-ago you also saw rising interest rates burn a hole in your pocket. While the yo-yoing of ra...
The Hindu Business Line  Nov 3  Comment 
Cannot work without police security, says branch manager, after agitating group of farmers detain staff
Clusterstock  Oct 20  Comment 
Online lenders operate in a different realm than that of traditional banks, and big data is a big part of that. Speaking at T he Economist's Buttonwood conference in Midtown Manhattan on Tuesday, Lending Club CEO Renaud Laplanche explained...



A Borrower takes and uses something that belongs to someone else, with the intention of returning it. You have an impatient borrower and a patient lender. It is the trade off between patience and impatience, which is going to decide the rate of interest.

A loan entails the redistribution of financial assets over time, between the lender and the borrower. Collateral may be used to make sure the borrower keeps his promise. The borrowing may be secured by collateral, or it may be unsecured in which case there are no assets guaranteeing pay back.


As investors use the term the borrower is the person who initially receives an amount of money, called the principal, from the lender, and is obligated to, pay back, all of the funds, plus interest and fees, to the lender by a specified time.

From to lend, be surety for, pledge, to hide, protect. Apparently on the notion of collateral deposited as security for something borrowed. [1] Bury, to raise a mound, hide, bury, to shelter, protection, shelter, to save, preserve. [2]


  1. [1]
  2. [2]
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