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Banking on snow : bank capital, risk, and employment
Baumgartner, Simon; Stomper, Alex; Schober, Thomas; … - 2022
have less equity capital. Bank capitalization also proxies for the extent to which the regional banks' borrowers can obtain …
Persistent link: https://www.econbiz.de/10013358738
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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
that well-functioning credit markets would reflect a bank channel for monetary policy at work, we test whether a change in … and the associated change in interest rate does not affect change in bank credit, change in total debt and the proportion … of bank credit in total debt for any of the firms. We discuss the policy implications of the findings. …
Persistent link: https://www.econbiz.de/10011493763
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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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How has COVID-19 affected the intention to migrate via the backway to Europe and to a neighboring African country? : survey evidence and a salience experiment in The Gambia
Bah, Tijan L.; Batista, Catia; Gubert, Flore; McKenzie, … - 2021
The COVID-19 pandemic has resulted in border closures in many countries and a sharp reduction in overall international mobility. However, this disruption of legal pathways to migration has raised concerns that potential migrants may turn to irregular migration routes as a substitute. We examine...
Persistent link: https://www.econbiz.de/10012517786
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Heterogeneous effects of credit constraints on SMEs' employment : evidence from the Great Recession
Cornille, David; Rycx, François; Tojerow, Ilan - 2018
This paper takes advantage of access to detailed matched bank-firm data to investigate whether and how employment … product market competition. In terms of human resources management, credit constraints are not only found to foster employment …
Persistent link: https://www.econbiz.de/10011785728
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Reflections on the US college loans system : lessons from Australia and England
Barr, Nicholas A.; Chapman, Bruce James; Dearden, Lorraine - 2018
There is wide agreement the US student loan system faces significant problems. Seven million borrowers are in default and many more experience non-repayment. The stress of repayments faced by many students results at least in part from the design of US student loans. Specifically, loans are...
Persistent link: https://www.econbiz.de/10011820067
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Does greater inequality lead to more household borrowing? : new evidence from household data
Coibion, Olivier; Gorodnichenko, Yuriy; Kudlyak, Marianna; … - 2014
One suggested hypothesis for the dramatic rise in household borrowing that preceded the financial crisis is that low-income households increased their demand for credit to finance higher consumption expenditures in order to "keep up" with higherincome households. Using household level data on...
Persistent link: https://www.econbiz.de/10010238213
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Repayment versus investment conditions and exclusivity in lending contracts
Bougheas, Spiros P.; Dasgupta, Indraneel; Morrissey, Oliver - 2009
Lenders condition future loans on some index of past performance. Typically, banks condition future loans on repayments of earlier obligations whilst international organizations (official lenders) condition future loans on the implementation of some policy action (‘investment’). We build an...
Persistent link: https://www.econbiz.de/10003923918
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Financial dependence, formal credit, and informal jobs : new evidence from Brazilian household data
Catão, Luis; Pagés, Carmen; Rosales, Maria Fernanda - 2009
This paper examines a much overlooked link between credit markets and formalization: since access to bank credit … bank credit is more widely available at lower cost; if so, well-functioning credit markets help foster formal employment at …
Persistent link: https://www.econbiz.de/10003925244
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Personal bankruptcy law, wealth and entrepreneurship : theory and evidence from the introduction of a "fresh start"
Fossen, Frank M. - 2011
A personal bankruptcy law that allows for a "fresh start" after bankruptcy reduces the individual risk involved in entrepreneurial activity. On the other hand, as risk shifts to creditors who recover less of their credit after a debtor's bankruptcy, lenders may charge higher interest rates or...
Persistent link: https://www.econbiz.de/10009126032