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Loan Refusal, Household Income and Savings in Ghana
Koomson, Isaac; Annim, Samuel Kobina; Peprah, James Atta - Volkswirtschaftliche Fakultät, … - 2014
Loan refusal has been a problem facing many loan applicants at the household level and this problem is not new to loan applicants in Ghana. Despite this knowledge, researchers passively discuss loan refusal and do not consider the intensity of this problem. This study analyses the effect of...
Persistent link: https://www.econbiz.de/10011110329
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Contestability and collateral in credit markets with adverse selection
Cesaroni, Giovanni - Volkswirtschaftliche Fakultät, … - 2010
). By working out the sequence of market transactions, we show that the effectiveness of collateral in avoiding equilibrium …, the separation of borrower by means of sufficient collateral does not impede the emergence of credit rationing, which … suitable endowments, the use of collateral in credit contracts could not be a socially efficient screening-device. Our …
Persistent link: https://www.econbiz.de/10008743001
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Credit rationing by loan size: a synthesized model
Kjenstad, Einar; Su, Xunhua - Volkswirtschaftliche Fakultät, … - 2012
We construct a unified framework to study credit rationing by the loan size. Due to default risk, the loan offer curve is positive-sloping. At the equilibrium interest rate, increasing the loan size reduces the average cost of the loan, so the borrower always demands a larger loan than that the...
Persistent link: https://www.econbiz.de/10011110998
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A Tale of Two Eurozones: Banks’s Funding, Sovereign Risk & Unconventional Monetary Policies
Fulli-Lemaire, Nicolas - Volkswirtschaftliche Fakultät, … - 2013
increasingly drove a wedge between a seemingly resilient Eurozone core and its faltering periphery, its first collateral victims …
Persistent link: https://www.econbiz.de/10011259850
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Incentives, Supervision and Regulation of Microfinance Institutions in the developing countries
Founanou, Mathurin; Ratsimalahelo, Zaka - Volkswirtschaftliche Fakultät, … - 2012
supervision is costly, even in the optimal monitoring scheme there generally exists a positive probability of MFI failure. The … content of information disclosure is characterized by the optimal monitoring scheme. …
Persistent link: https://www.econbiz.de/10011259987
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Role of regulation in micro finance: application of the Micro Savings Requirement Scheme in informal sectors
Marianne, Roedl - Volkswirtschaftliche Fakultät, … - 2013
An innovative aspect of this paper is evidenced through its recommendation of the Micro-Savings Requirement Scheme - which offers numerous benefits – as will be highlighted in this paper. Furthermore, the paper not only addresses how linkages, direct and facilitating linkages, can benefit...
Persistent link: https://www.econbiz.de/10011260333
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Role of regulation and micro finance in Africa, Asia and Latin America
Marianne, Roedl - Volkswirtschaftliche Fakultät, … - 2013
An innovative aspect of this paper is evidenced through its recommendation of the Micro-Savings Requirement Scheme - which offers numerous benefits – as will be highlighted in this paper. Furthermore, the paper not only addresses how linkages, direct and facilitating linkages, can benefit...
Persistent link: https://www.econbiz.de/10011261110
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Lending Competition and Relationship Banking: Evidence from Japan
Ogura, Yoshiaki; Yamori, Nobuyoshi - Volkswirtschaftliche Fakultät, … - 2009
The question of whether more competition among banks increases relationship banking, which is predicted to improve credit availability for informationally opaque firms in theory, is a controversial issue in the banking literature. By using firm-level survey data in Japan, this paper provides...
Persistent link: https://www.econbiz.de/10005078682
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Transparency in consumer credit. the usage of the APR
Caratelli, Massimo - Volkswirtschaftliche Fakultät, … - 2010
The role of Annual Percentage Rate (APR) in installment plan selection was investigated. The choice of analyzing APR was motivated by its wide diffusion due to the mandatory disclosure acts. There have been doubts towards consumer understanding of APR. A sample of 299 consumers were given five...
Persistent link: https://www.econbiz.de/10009652919
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Impact of financial education and transparency on borrowing decisions. the case of consumer credit
Caratelli, Massimo; Ornella, Ricci - Volkswirtschaftliche Fakultät, … - 2011
Existing studies are not conclusive in favor of a strong relationship between the financial literacy and the ability to take better borrowing decisions. Results are quite heterogeneous and often point out the relevance of other factors, such as socio-demographic features or practical experience...
Persistent link: https://www.econbiz.de/10009652948