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Finance and Growth for Microenterprises : Evidence from Rural China

Beck, Thorsten; Lu, L.; Yang, R. - Tilburg University, Center for Economic Research - 2013

Abstract: Using a survey dataset of Chinese rural households, we find that access to external finance is positively … associated with the decision to become entrepreneur, the initial investment for microenterprises and the use of external finance …. Also, we find that the use of informal finance is positively associated with sales growth of microenterprises with …

Persistent link: https://www.econbiz.de/10011092482

Mobile Money, Trade Credit and Economic Development : Theory and Evidence

Beck, Thorsten; Uras, Burak R.; Pamuk, H.; Ramrattan, R. - Tilburg University, Center for Economic Research - 2015

Using a novel enterprise survey from Kenya (FinAccess Business), we document a strong positive association between the use of mobile money as a method to pay suppliers and access to trade credit. We develop a dynamic general equilibrium model with heterogeneous entrepreneurs, imperfect credit...

Persistent link: https://www.econbiz.de/10011245989

Mortgage Finance in Central and Eastern Europe: Opportunity or Burden?

Beck, Thorsten; Kibuuka, Katie; Tiongson, Erwin R. - Institute for the Study of Labor (IZA) - 2010

determinants of access to mortgage finance. It also examines whether mortgage holders were more likely to suffer financial distress …

Persistent link: https://www.econbiz.de/10008615444

Foreigners vs. Natives : Bank Lending Technologies and Loan Pricing

Beck, Thorsten; Ioannidou, Vasso; Schäfer, L. - Tilburg University, Center for Economic Research - 2012

Abstract: Do domestic and foreign banks differ in their lending techniques and loan pricing models? Are such differences driven by different clienteles? Using a sample of firms that borrow from both domestic and foreign banks in the same month, we show significant differences in lending...

Persistent link: https://www.econbiz.de/10011092770

Bank Competition and Stability : Cross-country Heterogeneity (Revised version of CentER DP 2011-080)

Beck, Thorsten; De Jonghe, Olivier; Schepens, G. - Tilburg University, Center for Economic Research - 2012

Abstract: This paper documents large cross-country variation in the relationship between bank competition and bank stability and explores market, regulatory and institutional features that can explain this variation. We show that an increase in competition will have a larger impact on banks’...

Persistent link: https://www.econbiz.de/10011090475

Informality and Access to Finance : Evidence from India

Beck, Thorsten; Hoseini, M. - Tilburg University, Center for Economic Research - 2014

manufacturing sector and exploiting cross-industry variation in the need for external finance. We distinguish between two channels … through which access to finance can reduce informality: reducing the entry barrier to the formal sector and increasing …

Persistent link: https://www.econbiz.de/10011090487

Entrepreneurial Saving Practices and Reinvestment : Theory and Evidence

Beck, Thorsten; Uras, Burak R.; Pamuk, H. - Tilburg University, Center for Economic Research - 2014

We use a novel enterprise survey from Tanzania to gauge the relationship between saving instruments and entrepreneurial reinvestment. While most informal savings practices do not imply a lower likelihood of entrepreneurial reinvestment when compared with formal savings practices, we find a...

Persistent link: https://www.econbiz.de/10011090491

Big Bad Banks? The Winners and Losers From Bank Deregulation in the United States

Beck, Thorsten; Levine, R.; Levkov, A. - Tilburg University, Center for Economic Research - 2009

We assess the impact of bank deregulation on the distribution of income in the United States. From the 1970s through the 1990s, most states removed restrictions on intrastate branching, which intensified bank competition and improved bank performance. Exploiting the cross-state, cross-time...

Persistent link: https://www.econbiz.de/10011090636

Who Gets the Credit? And Does it Matter? Household vs Firm Lending Across Countries

Beck, Thorsten; Büyükkarabacak, B.; Rioja, F.; Valev, N. - Tilburg University, Center for Economic Research - 2009

While theory predicts different effects of household credit and enterprise credit on the economy, the empirical literature has mainly used aggregate measures of overall bank lending to the private sector. We construct a new dataset from 45 developed and developing countries, decomposing bank...

Persistent link: https://www.econbiz.de/10011091133

Sex and Credit : Is There a Gender Bias in Microfinance?

Beck, Thorsten; Behr, P.; Madestam, A. - Tilburg University, Center for Economic Research - 2011

This paper examines the effects of group identity in the credit market. Exploiting the quasirandom assignment of first-time borrowers to loan officers of a large Albanian lender, we test for own-gender bias in the loan officer-borrower match. We find that borrowers pay on average 29 basis points...

Persistent link: https://www.econbiz.de/10011091317