Payday-loan bans: evidence of indirect effects on supply
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DOI: 10.1007/s00181-018-1447-2
Abstract: In November 2008, Ohio enacted the Short-Term Loan Law which imposed a 28% APR on payday loans, effectively banning the industry. Using licensing records from 2006 to 2010, I examine if there are changes in… read more here.
Keywords: loan bans; bans evidence; loan; indirect effects ... See more keywords
Microlending on mobile social credit platforms: an exploratory study using Philippine loan contracts
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DOI: 10.1007/s10660-019-09391-2
Abstract: Microlending has grown rapidly and now benefits around 250 million people globally, half who would otherwise not have access to credit. Use of social credit systems for microlending risk assessment is most pronounced in Asia,… read more here.
Keywords: loan contracts; social credit; default; loan ... See more keywords
Financing tertiary education in Indonesia: assessing the feasibility of an income-contingent loan system
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DOI: 10.1007/s10734-019-00414-3
Abstract: This paper examines the feasibility of an income-contingent loan system to finance tertiary education in Indonesia. Using graduates’ income data from the 2015 National Labor Force Survey, we modeled the life-cycle income distribution of university… read more here.
Keywords: contingent loan; loan; income contingent; tertiary education ... See more keywords
Policy uncertainty and loan loss provisions in the banking industry
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DOI: 10.1007/s11142-019-09530-y
Abstract: Policy uncertainty is an increasingly important issue in many economies. Extensive evidence indicates that higher policy uncertainty is associated with future negative macroeconomic and microeconomic conditions. In this paper, we examine how policy uncertainty affects… read more here.
Keywords: policy uncertainty; loan loss; loan;
Firm-bank trusting relationship and discouraged borrowers
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DOI: 10.1007/s11846-016-0194-z
Abstract: Firms can be credit constrained both because banks deny credit when they apply for it and because they refrain from filing for the loan in the first place, anticipating rejection. Interestingly the latter aspect has… read more here.
Keywords: firm manager; firm; loan; trust ... See more keywords
Bank Loan Loss Provisions Research: A Review
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DOI: 10.1016/j.bir.2017.05.001
Abstract: We review several observations in the bank loan loss provisioning literature to identify and discuss several advances in the literature and to suggest possible directions for future research in the literature. We address several issues… read more here.
Keywords: loan; research; bank loan; loan loss ... See more keywords
Bank loan supply shocks and leverage adjustment
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DOI: 10.1016/j.econmod.2019.11.020
Abstract: Abstract We investigate the effect of bank loan supply shocks on firms’ leverage adjustment. We show that the impact of bank shocks is larger for firms with greater dependence on financially troubled banks. We measure… read more here.
Keywords: supply shocks; loan supply; loan; bank loan ... See more keywords
What causes Chinese listed firms to switch bank loan provider? Evidence from a survival analysis
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DOI: 10.1016/j.ememar.2020.100678
Abstract: This paper analyses the duration of firm-bank relationships and examines what drives firms in China to change from one bank loan provider to another. Matched data of firm-loan-duration to bank provides a unique panel data… read more here.
Keywords: bank; loan provider; loan; bank loan ... See more keywords
The impact of trade and financial openness on bank loan pricing: Evidence from emerging economies
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DOI: 10.1016/j.ememar.2021.100793
Abstract: Abstract In this paper, we examine the impact of trade and financial openness on bank loan pricing. Using data from 35 emerging economies, we first document that higher trade and financial openness lower interest rates… read more here.
Keywords: bank; trade financial; loan; financial openness ... See more keywords
Foreign banks and international transmission of monetary policy: Evidence from the syndicated loan market
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DOI: 10.1016/j.euroecorev.2020.103542
Abstract: This paper uses loan-level data from 124 countries over 1995–2015 to examine the transmission of monetary policy through the cross-border syndicated loan market. The results show that the expansion of monetary policy increases cross-border credit… read more here.
Keywords: policy; loan; monetary policy; transmission monetary ... See more keywords
Loss-averse retailers’ financial offerings to capital-constrained suppliers: loan vs. investment
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DOI: 10.1016/j.ijpe.2020.107665
Abstract: Abstract Suppliers' insufficient capital can disrupt the normal operations of other participants in the supply chain. To alleviate suppliers' capital constraints, retailers have the option of providing financing. However, when addressing the risks of default,… read more here.
Keywords: capital; investment; loan; loss averse ... See more keywords