A literature survey of private sector methods of determining personal financial responsibility
Bodzin, Martin Bradley
Euske, Kenneth J.
Suchan, James E.
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Credit grantors and employers have two clearly established methods-- judgmental and empirically derived--of determining personal financial responsibility that can be used as a basis for accepting or rejecting credit or job applicants. This thesis is a literature survey and analysis of those methods. The foundations of the two methods are examined and models of the empirically derived method are discussed. The paper builds upon the cost considerations and governmental constraints of the value-maximizing organization. Operational costs associated with personal financial responsibility determination methods include administrative expense, forgone revenue, and asset depletion due to decision making errors. Governmental constraints include information gathering restrictions for equal opportunity and privacy purposes. Applicability of the private sector methods to the public sector is also discussed. The judgmental and empirical methods are each effective. Their utilization is based upon their respective abilities to minimize cost while achieving the organization's objectives.
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