Voluntary Involuntary Disclosure.

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dc.contributor.author Hucks, Randall J. en_US
dc.date.accessioned 2015-09-30T14:22:10Z
dc.date.available NO_RESTRICTION en_US
dc.date.available 2015-09-30T14:22:10Z
dc.date.issued 2015 en_US
dc.date.submitted 2015 en_US
dc.identifier.uri http://hdl.handle.net/2027.42/113335
dc.description.abstract Prior examination of financial disclosures associates increasing linguistic complexity with poor firm performance, but cannot differentiate between competing signaling and managerial obfuscation hypotheses. In order to assess whether the lexical properties of written language signal discloser quality, I analyze borrower submitted free-form descriptions of anonymous peer-to-peer loans and find that borrower misspellings predict lower funding rates, longer time to fund, higher default rates, and lower yields to lenders. My findings suggest that the lexical properties of writing are a signal of the writer’s quality. en_US
dc.language.iso en_US en_US
dc.subject Peer-to-peer lending en_US
dc.subject Spelling en_US
dc.subject Disclosure en_US
dc.title Voluntary Involuntary Disclosure. en_US
dc.type Thesis en_US
dc.description.thesisdegreename PhD en_US
dc.description.thesisdegreediscipline Business Administration en_US
dc.description.thesisdegreegrantor University of Michigan, Horace H. Rackham School of Graduate Studies en_US
dc.contributor.committeemember Indjejikian, Raffi J. en_US
dc.contributor.committeemember Yates, J. Frank en_US
dc.contributor.committeemember Nagar, Venkatesh K. en_US
dc.contributor.committeemember Shakespeare, Catherine en_US
dc.contributor.committeemember Purnanandam, Amiyatosh Kumar en_US
dc.subject.hlbsecondlevel Accounting en_US
dc.subject.hlbsecondlevel Finance en_US
dc.subject.hlbsecondlevel Linguistics en_US
dc.subject.hlbsecondlevel Psychology en_US
dc.subject.hlbtoplevel Business and Economics en_US
dc.subject.hlbtoplevel Humanities en_US
dc.subject.hlbtoplevel Social Sciences en_US
dc.description.bitstreamurl http://deepblue.lib.umich.edu/bitstream/2027.42/113335/1/rjhucks_1.pdf
dc.owningcollname Dissertations and Theses (Ph.D. and Master's)
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