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Screening and monitoring are costly activities.Why is it a bad idea to impose these costs on borrowers?
Stigma Consciousness
The expectation of being perceived by other people, particularly those in the majority group, in terms of one’s group membership.
Stereotype Threat
The concern that one might do something to confirm a negative stereotype about one’s group either in one’s own eyes or the eyes of someone else.
Disidentification
The process of disinvesting in any area in which one’s group traditionally has been underrepresented or negatively stereotyped.
Self-objectification
The tendency to view oneself primarily as an object to be looked at and evaluated based on appearance, rather than as a fully rounded individual.
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