highlight that information spillovers between lenders may operate outside credit registries …

This paper studies loan conditions in a context where private banks can operate in two credit markets: a free … credit to firms that are ex ante more difficult to lock-in in the free-market-larger firms in more contested regions. The … paper highlights a novel channel whereby earmarked credit is used by private banks to extract more rents. Once a firm …

Ceilings on lending rates remain a widely used policy tool that is intended to lower the overall cost of credit or …-effects. These side-effects include increases in non-interest fees and commissions, reduced price transparency, lower credit supply … alternatives to reduce the cost of credit …