Date of Award


Degree Type


Degree Name

Bachelor of Applied Sciences Honours


Faculty of Science and Technology

First Advisor

Susan Nulsen


It has been noted by the consumer Credit Legal Service in Western Australia that there has been considerable debate about the lending practices of financial institutions. It is argued by many Financial Counsellors that lending practices, such as the assessment of using credit scoring, may contribute credit to the worthiness increasing number of consumers who are overcommitted. The Consumer Credit Legal Service has suggested that there is a need to seek information about the lending practices in Western Australia. The study reviewed the current credit application and assessment process that operates in Western Australia using a case study approach. The data for the project was collected in the form of a series of interviews with credit providers as well as consumers who had experienced difficulty managing their credit commitments. The results identified the problems that consumers have with the current application and assessment process and recommends action to overcome these problems.