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Scoring Drop-Out at a Microlender in Bolivia

Schreiner, Mark - EconWPA - 2001

This paper presents a scoring model that predicts the risk of drop-out for borrowers at a microfinance lender in Bolivia. Drop-out risk was greater for women, manufacturers, newer borrowers, and those with more arrears. Out-of-sample tests suggest that scoring may help microfinance lenders to...

Persistent link: https://www.econbiz.de/10005118802

Collateral-Based Lending in Emerging Markets: Evidence from Thailand

Menkhoff, Lukas; Neuberger, Doris; Suwanaporn, Chodechai - EconWPA - 2005

data set of 560 credit files of Thai commercial banks, we find that both the incidence and degree of collateralization are … higher there than in developed markets. Thai banks use collateral primarily to reduce the higher credit risks of small and … relatively young firms. Long credit relationships do not reduce collateral requirements by lowering information asymmetry. Market …

Persistent link: https://www.econbiz.de/10005134744

How Important Are Foreign Banks in European Transition Countries? A Comparative Analysis

Bol, Hanneke; Haan, Jakob de; Scholtens, Bert; Haas, … - EconWPA - 2002

major players in the financial system of these countries. Still, foreign bank presence and financial development in general … vary considerably between these economies. Distance from the home country is an important determinant for a foreign bank to … enter a specific country. The most frequently used mode of entry is buying (part) of a domestic bank. This share is …

Persistent link: https://www.econbiz.de/10005556660

Seven Aspects of Loan Size

Schreiner, Mark - EconWPA - 2001

Attempts to gauge the depth of outreach of microfinance organizations usually start--and often end--with the measurement of loan size. But just what is loan size? Loan size has at least seven aspects, each of which matters not only for depth of outreach but also for profitability. The aspects...

Persistent link: https://www.econbiz.de/10005118840

PRIVATE MONEY AND RESERVE MANAGEMENT IN A RANDOM MATCHING MODEL

Cavalcanti, Ricardo de O.; Erosa, Andres - EconWPA - 1998

We introduce an element of centralization in a random matching model of money that allows for private liabilities to circulate as media of exchange. Some agents, which we identify as banks, are endowed with the technology to issue notes and to record-keep reserves with a central clearinghouse,...

Persistent link: https://www.econbiz.de/10005076838

Social Capital and Incentive Compatibility: Modelling the Accumulation and Use of Social Collateral

Mogues, Tewodaj; Carter, Michael R. - EconWPA - 2005

In economics, where the long resistance to reflecting on the effects of social interaction on economic behaviour is slowly waning, the concept of social capital may turn out to be a useful analytical tool. However, initial interest in social capital has produced a large variety of definitions,...

Persistent link: https://www.econbiz.de/10005124878

Debt-Deflation: Concepts, and a Stylised Model

Peter, Goetz von - EconWPA - 2005

credit crunch interferes with the accommodation necessary for stability. …

Persistent link: https://www.econbiz.de/10005126279

Three Financing Constraint Hypotheses and Inventory Investment: New Tests With Time and Sectoral Heterogeneity

Carpenter, Robert E.; Fazzari, Steven M.; Petersen, Bruce C. - EconWPA - 1995

hypotheses- -the bank lending, collateral, and internal finance hypotheses. To discriminate between hypotheses, we extend …

Persistent link: https://www.econbiz.de/10005126449

'The role of Financial Liberalization in Development: Weaknesses and Corrections'

Saidane, D. - EconWPA - 2005

During the 80’s and 90’s, the increase in financial instability shook up the idyllic vision of the financial liberalization in developed nations. The difficulties borne by the banking sectors spread out in some Asian and Latin American countries as systemic crises. The deregulation of the...

Persistent link: https://www.econbiz.de/10005134804

Corporate Finance in Europe from 1986 to 1996

DELBREIL, Michel; ESTEBAN, Ana; FRIDERICHS, Hans; … - EconWPA - 2000

After publishing its first report in September 1997, the Own Funds Working Group, in agreement with the European Committee of Central Balance Sheet Offices, decided to continue its work in order to gain a better understanding of the differences in financing structures between countries. To this...

Persistent link: https://www.econbiz.de/10005413207