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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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Why wages don't fall in jobs with incomplete contracts
Fongoni, Marco; Schaefer, Daniel; Singleton, Carl - 2024
We investigate how the incompleteness of an employment contract - discretionary and non-contractible effort - can affect an employer's decision about cutting nominal wages. Using matched employer-employee payroll data from Great Britain, linked to a survey of managers, we find support for the...
Persistent link: https://www.econbiz.de/10014557595
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Human capital risk, contract enforcement, and the macroeconomy
Krebs, Tom; Kuhn, Moritz; Wright, Mark L. J. - 2015
Abuse Prevention and Consumer Protection Act of 2005, leads to a substantial increase in the volume of both credit and …
Persistent link: https://www.econbiz.de/10011308568
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Construction contracts (or : "how to get the right building at the right price?")
Chakravarty, Surajeet (contributor);  … - 2006
Most contracts that individuals enter into are not written from scratch; rather, they depend upon forms and terms that have been successful in the past. In this paper, we study the structure of form construction contracts published by the American Institute of Architects (AIA). We show that...
Persistent link: https://www.econbiz.de/10003323165
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The value of business networks in emerging economies : an analysis of firms' external financing opportunities
Owolabi, Oluwarotimi; Pal, Sarmistha - 2011
hypothesis. Even after controlling for other factors, firms affiliated to business associations are more likely to secure bank … against the small and medium sized firms' access to bank loans in the CEE regions. Results are robust in both single cross …-section and panel data analyses. -- business networks ; agency costs ; external firm financing ; bank loans ; transition economies …
Persistent link: https://www.econbiz.de/10009307402
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Gambling and the use of credit : an individual and household level analysis
Brown, Sarah; Dickerson, Andrew P.; McHardy, Jolian P.; … - 2010
use of credit, at the individual and household level using representative pooled cross-section data drawn from the UK … Expenditure and Food Surveys (EFS), 2001 to 2007. Gambling and the use of credit are shown to be positively correlated at the … between gambling and the use of credit is remarkably stable across household income. In addition to our household level …
Persistent link: https://www.econbiz.de/10003942188
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Executive compensation and competition in the banking and financial sectors
Cuñat, Vicente (contributor); Guadalupe, Maria (contributor) - 2004 - [Elektronische Ressource]
Persistent link: https://www.econbiz.de/10002035589
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Job creation, small vs. large vs. young, and the SBA
Brown, J. David; Earle, John S.; Morgulis, Yana - 2015
Analyzing a list of all Small Business Administration (SBA) loans in 1991 to 2009 linked with annual information on all U.S. employers from 1976 to 2012, we apply detailed matching and regression methods to estimate the variation in SBA loan effects on job creation and firm survival across firm...
Persistent link: https://www.econbiz.de/10011387117
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Severance pay and corporate finance : empirical evidence from a panel of Austrian and Italian firms
Cardinale, Mirko (contributor);  … - 2004 - [Elektronische Ressource]
This paper examines the empirical link between severance pay and corporate finance. Severance pay is an economic debt of the employer and hence should be taken into account by the market in its assessments of risk. Using a hand collected dataset of accounting data from Italy and Austria we find...
Persistent link: https://www.econbiz.de/10002482572
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Finance and growth at the firm level : evidence from SBA loans
Brown, J. David; Earle, John S. - 2015
lenders. The estimation results imply an increase of 3-4 jobs for each million dollars of loans, suggesting that credit … for the SBA 504 versus 7(a) programs, and with respect to the business cycle, local credit conditions, and within …
Persistent link: https://www.econbiz.de/10011309136