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Access to banking services and poverty reduction : a state-wise assessment in India
Bhandari, Amit Kumar - 2009
Financial inclusion is the broad based delivery of banking and other financial services at affordable cost to the poorest sections of society. In India, financial inclusion emphasizes to include maximum number of people under formal financial systems. The most important part of financial...
Persistent link: https://www.econbiz.de/10003831814
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How credit constrained are family-owned SMEs in Arab countries?
Gourène, Grakolet Arnold Zamereith; Brixiova, Zuzana; … - 2024
Family-owned firms account for majority of small and medium-sized enterprises (SMEs) in Arab countries, but evidence on the impact of this ownership type on access to credit in the region is scarce. Yet the issue is key for understanding barriers to the emergence of dynamic private sector and...
Persistent link: https://www.econbiz.de/10015163047
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Business cycle effects of credit and technology shocks in a DSGE model with firm defaults
Pesaran, M. Hashem; Xu, TengTeng - 2011
different realizations of firm specific technology shocks, possible leading to default by some firms. The paper advances a new …
Persistent link: https://www.econbiz.de/10009488413
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The value of business networks in emerging economies : an analysis of firms' external financing opportunities
Owolabi, Oluwarotimi; Pal, Sarmistha - 2011
The paper argues that networked firms are likely to have an advantage in securing external finance in countries with weak legal and judicial institutions since it helps financial institutions to minimize the underlying agency costs of lending. An analysis of recent BEEPS data from fifteen...
Persistent link: https://www.econbiz.de/10009307402
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How successful are banking sector reforms in emerging market economies? : evidence from impact of monetary policy on levels and structures of firm debt in India
Bhaumik, Sumon Kumar; Kutan, Ali Mustafa; Majumdar, Sudipa - 2016
Many emerging markets have undertaken significant financial sector reforms especially in their banking sectors that have been quite critical for both financial development and real economic activity. In this paper, we investigate the success of banking reforms in India where significant banking...
Persistent link: https://www.econbiz.de/10011493763
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Detecting mortgage delinquencies
Askitas, Nikos; Zimmermann, Klaus F. - 2011
Economic hardship is strongly reflected by the housing market. It is the concern of much research, but its analysis is often obstructed by insufficient lagged data. This paper evaluates search intensity for "hardship letter" from Google Insights to detect ensuing mortgage delinquencies. Such...
Persistent link: https://www.econbiz.de/10009312194
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Delay of gratification and the role of defaults : an experiment with kindergarten children
Sutter, Matthias; Yilmaz, Levent; Oberauer, Manuela - 2015
. By setting a simple default this fraction increases to more than 70%, indicating that simple defaults work very …
Persistent link: https://www.econbiz.de/10011317627
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Households debt restructuring : the re-default effect of a debt suspension
Fraisse, Henri - 2017
filings to managers, we show that a debt suspension has a very significant and negative effect on the likelihood to re-default …
Persistent link: https://www.econbiz.de/10011732088
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Consumer debt and default : a macro perspective
Exler, Florian; Tertilt, Michele - 2020
In this survey, we review the quantitative macroeconomic literature analyzing consumer debt and default. We start by … has by now become the workhorse model of consumer credit and default. We discuss a quantitative version of the model and … use it to decompose the main reasons for default. We also use the model to illustrate how the details of default costs …
Persistent link: https://www.econbiz.de/10012171050
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The debt burden of job loss in a Nordic welfare state
Maczulskij, Terhi; Kanninen, Ohto; Karhunen, Hannu; … - 2025
Using linked employer-employee data combined with administrative data on debt enforcement, we analyze the impact of job loss on debt problems in Finland, where even 50% of income may be subject to wage garnishment for up to 25 years. Our results show that job loss, defined by plant closures and...
Persistent link: https://www.econbiz.de/10015407906