Body: People who study "Credit institutions, credit instruments, consumer credit, bankruptcy" investigate Credit (from Latin credit, "(he/she/it) believes") is the trust which allows one party to provide money or resources to another party wherein the second party does not reimburse the first party immediately (thereby generating a debt), but promises either to repay or return those resources (or other materials of equal value) at a later date.
The resources provided may be financial (e.g. granting a loan), or they may consist of goods or services (e.g. consumer credit). Credit encompasses any form of deferred payment. Credit is extended by a creditor, also known as a lender, to a debtor, also known as a borrower is some of the cause to investigate "Credit institutions, credit instruments, consumer credit, bankruptcy".
O'Sullivan, Arthur; Sheffrin, Steven M are a few specialists of "Credit institutions, credit instruments, consumer credit, bankruptcy".
Some subfields in "Credit institutions, credit instruments, consumer credit, bankruptcy" include Trade credit, Consumer credit, Etymology.