Show simple item record

dc.rights.licenseIn Copyrighten_US
dc.creatorShook, David Merrick
dc.date.accessioned2021-05-24T17:32:03Z
dc.date.available2021-05-24T17:32:03Z
dc.date.created2021
dc.identifier.urihttps://dspace.wlu.edu/handle/11021/35365
dc.descriptionThesis; [FULL-TEXT FREELY AVAILABLE ONLINE]en_US
dc.descriptionDavid Merrick Shook is a member of the Class of 2021 of Washington and Lee University.en_US
dc.description.abstractThis paper examines the effect readability has on the perceived creditworthiness of borrowers. I find that reduced readability increases the likelihood that borrowers objectively deserving of an unfavorable credit rating will not receive one. I also find that the overall financial health of a borrower with low creditworthiness is viewed more favorably when the nonfinancial information the borrower provides possesses a low degree of readability. Additionally, I determine that when the readability of a borrower's nonfinancial information is relatively low, the self-reported accuracy with which respondents understood the borrower's nonfinancial information decreases. Finally, regarding affect, I find that when participants received materials with a high degree of readability, respondents in conditions involving borrowers with low creditworthiness (as opposed to borrowers with high creditworthiness) reported higher levels of overall positive affect. This greater amount of positive affect was driven by lower levels of negative affect rather than higher levels of positive affect, a phenomenon potentially linked to emotional suppression employed by participants in their role as a loan officer.en_US
dc.format.extent66 pagesen_US
dc.language.isoen_USen_US
dc.rightsThis material is made available for use in research, teaching, and private study, pursuant to U.S. Copyright law. The user assumes full responsibility for any use of the materials, including but not limited to, infringement of copyright and publication rights of reproduced materials. Any materials used should be fully credited with the source.en_US
dc.rights.urihttp://rightsstatements.org/vocab/InC/1.0/en_US
dc.subject.otherWashington and Lee University -- Honors in Accountingen_US
dc.titlePresentation and Perception: The Effect of Disclosure Readability on Lending Decisionsen_US
dc.typeTexten_US
dc.rights.holderShook, David Merrick
dc.subject.fastReadability (Literary style)en_US
dc.subject.fastLoansen_US
dc.subject.fastCrediten_US
dc.subject.fastPerceptionen_US
local.departmentAccountingen_US
local.scholarshiptypeHonors Thesisen_US


Files in this item

Thumbnail

This item appears in the following Collection(s)

Show simple item record