Credit

thumb|right|Payday loan businesses lend money to customers, who then owe a debt to the payday loan company.

thumb|right|200px|A credit card is a common form of credit. With a credit card, the credit card company, often a [[bank, grants a line of credit to the card holder. The card holder can make purchases from merchants, and borrow the money for these purchases from the credit card company.]] thumb|right|px|Domestic credit to private sector in 2005

document issued by a financial institution

A creditor or lender is a party (e.g., person, organization, company, or government) that has a claim on the services of a second party. It is a person or institution to whom money is owed. The first party, in general, has provided some property or service to the second party under the assumption (usually enforced by contract) that the second party will return an equivalent property and service. The second party is frequently called a debtor or borrower. The first party is called the creditor, which is the lender of property, service, or money.

evaluation of the credit risk of a prospective debtor, predicting their ability to pay back the debt, and an implicit forecast of the likelihood of the debtor defaulting

banking and finance activity compliant with Islamic law

failure to meet the legal obligations of a loan or other financial contract

asset pledged to secure fulfillment of a financial obligation (e.g. a loan)

practice of lending money without going through a traditional financial intermediary

loan

small, short-term unsecured loan

credit source extended to a government, business or individual by a bank or other financial institution

financial product

type of credit that does not have a fixed number of payments

commercial document issued by a seller to a buyer

form of debt refinancing that entails taking out one loan to pay off many others

sudden reduction in the general availability of loans or credit or a sudden tightening of the conditions required to obtain a loan from banks

record of a borrower's responsible repayment of debts

notation for repayment terms

financial product

financial and legal contract

financial term used by lenders

consumer lending approach

credit extended by one trader to another when the goods and services are bought on credit

financial metric

A bottomry, or bottomage, is an arrangement in which the master of a ship borrows money upon the bottom or keel of it, so as to forfeit the ship itself to the creditor, if the money with interest is not paid at the time appointed at the ship's safe return.

economic theory concerning the relationship between credit and money

acute shortage of liquidity

Ijarah, (, al-Ijārah, "to give something on rent" or "providing services and goods temporarily for a wage" (a noun, not a verb)), is a term of fiqh (Islamic jurisprudence) and product in Islamic banking and finance. In traditional fiqh, it means a contract for the hiring of persons or renting/leasing of the services or the “usufruct” of a property, generally for a fixed period and price. In hiring, the employer is called musta’jir, while the employee is called ajir. Ijarah need not lead to purchase. In conventional leasing an "operating lease" does not end in a change of ownership, nor does th

Gharar () literally means uncertainty, hazard, chance or risk. It is a negative element in ''mu'amalat fiqh (transactional Islamic jurisprudence), like riba (usury) and maisir (gambling). One Islamic dictionary (A Concise Dictionary of Islamic Terms) describes it as "the sale of what is not present" — such as fish not yet caught, crops not yet harvested. Similarly, author Muhammad Ayub says that "in the legal terminology of jurists", gharar is "the sale of a thing which is not present at hand, or the sale of a thing whose aqibah'' (consequence) is not known, or a sale involving hazard in which

subclass of fee

the expansion and contraction of access to credit over time period, regarded by some as the fundamental process driving the business cycle

financial credit crisis in the United States

Jewish law on financial transactions

agreement or contract involving a loan that is repaid over time with a set number of scheduled payments

Islamic banking method

finance

method of implementing microcredits

Concept in homeowners' mortgages

loan repayment variant

condition in a commercial loan or bond agreement