id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
aijes-7168	Pryšmantaitė, Mantė; Markauskas, Astijus; Kartašova, Jekaterina	TIME VALUE OF MONEY IN THE LITHUANIAN CREDIT MARKET: A PRACTICAL ANALYSIS OF CONSUMER LOAN OFFERS	2025	6	.pdf	application/pdf	2904	159	59	jekaterina.kartasova@vm.vu.lt Abstract: This report uses the Time Value of Money (TVM) framework to evaluate and compare consumer loan offers from three Lithuanian credit providers: Inbank, Artea, and Saldo Bank. Keywords: TVM, consumer loans, Lithuanian credit market, personal finance 1.	cache/aijes-7168.pdf	txt/aijes-7168.txt