Speed, LTV, interest and trust: why borrowers pledge jewellery where they do, with a cost comparison under the new tiered LTV caps.
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- Structured borrower questionnaire (Tamil/Malayalam/English, n ≈ 300)
- Branch-manager interviews (bank and NBFC, 8 branches)
- IBM SPSS Statistics (chi-square, ANOVA, binary logistic regression)
- MS Excel (effective annual cost and LTV comparison model)
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