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Empowering the Vulnerable to Be Entrepreneurs: An Empirical Test on the Effectiveness of the Ghana Microfinance Policy 2006

Diaz-Serrano, Luis; Sackey, Frank Gyimah - 2016

The study aims at testing the Ghana Microfinance Policy set up to support the vulnerable through access to credit. We resort to the Blinder-Oaxaca decomposition to determine if there is positive discrimination in favor of women and young entrepreneurs in the rationing behavior of the...

Persistent link: https://www.econbiz.de/10011584638

Is there discriminatory mortgage pricing against immigrants in the Spanish lending market?

Diaz-Serrano, Luis; Raya, Josep M. - 2011

In this paper, we investigate whether evidence of discriminatory treatment against immigrants in the Spanish mortgage market exists. More specifically, we test whether, ceteris paribus, immigrant borrowers tend to be charged with higher interest rates on their mortgages than their Spanish born...

Persistent link: https://www.econbiz.de/10010278468

Is Rationing in the Microfinance Sector Determined by the Microfinance Type? Evidence from Ghana

Diaz-Serrano, Luis; Sackey, Frank Gyimah - 2015

This study sets out to examine the extent to which access to credit and credit rationing are influenced by the microfinance type based on the major factors determining micro, small and medium enterprises' access to credit from microfinance institutions in the era of financial liberalization. The...

Persistent link: https://www.econbiz.de/10010531697

Why Do We Ignore the Risk in Schooling Decisions?

Hartog, Joop; Diaz-Serrano, Luis - 2014

virtually absent in labour economics text books. This paper documents the scope for risk, discusses the tough disentanglement of … heterogeneity and risk, surveys the analytical models, laments the absence of a good workhorse model and points out the challenges … worth tackling: document ex ante risk that investors face, develop a tractable and malleable analytical model and integrate …

Persistent link: https://www.econbiz.de/10010352219

Risk attitude and wage growth: replication and reconstruction

Budría, Santiago; Diaz-Serrano, Luis; … - 2009

risk taking. Expanding her dataset with more American observations and data for Germany, Spain and Italy, we find mixed … to attitudes towards risk taking. …

Persistent link: https://www.econbiz.de/10010271888