Could a credit bureau incite banks to report correct information about their borrowers? We show that banks will choose … case the Credit Bureau should enforce a sufficiently high penalty in order to incite banks to share information honestly …. The penalty threshold that conditions the efficiency of the credit bureau’s role is endogenously derived. …

If the demand for credit by the poor changes little when interest rates increase, lenders can raise fees to cost … data from SafeSave, a credit cooperative in the slums of Dhaka, Bangladesh, to examine how sensitive borrowers are to …

In this paper, we address two related issues. First, we test whether micro firms run by migrants pay more for credit … than firms run by native entrepreneurs. Second, we verify whether the differences in the cost of credit between these two … based in Italy. We find that firms run by migrants pay, on average, almost 70 basis points more for credit than those run by …

that banking consolidation has reduced the availability of credit to small businesses. We find that banks in markets where … mergers have occurred are more likely than other banks to deny credit to small business loan applicants. However, this … one set of banks, those in the process of acquiring other banks, are less likely to deny credit to small businesses. These …

RRBs) in issuance of credit to agriculture sector during the post-reform period by using time series data from 1975 to 2005 …. The analysis reveals that the trends of direct (short and long-term) and indirect institutional credit to agriculture … as percentage of total direct institutional credit has increased significantly whereas the co-operatives share has …

This paper probes the role of banks and credit in our socio-economic system using the metaphor of banks as social … accountants (Stiglitz and Weiss 1988). It highlights the credit nature of money, and thus the fact that money is an accounting … construct. This motivates the viewing of financial booms and crises through an accounting lens. By accounting necessity, credit …