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Given recent adverse developments, widespread foreign currency borrowing in CEECs poses a serious challenge for financial stability. Against this background, we use survey data to study the determinants of loan arrears of private households. Our data confirm a non-negligible impact of foreign...
Persistent link: https://www.econbiz.de/10013370098
household followed by aggregate risk. … of the SHG program on the beneficiaries¡¦ earnings and empowerment, influence their households¡¦ ability to manage risk …
Persistent link: https://www.econbiz.de/10010321600
Research subject of this paper is the credit transmission mechanism in the Republic of Macedonia or in other words this …. The credit transmission is analyzed through its narrow nature or so called bank lending channel. In order to explain how … first one is the traditional bank lending channel explained by Bernanke and Blinder model and the second one is the credit …
Persistent link: https://www.econbiz.de/10012109770
banking sector environment, as well as the institutional and regulatory environment, on credit constrained firms. We find that … small and foreign-owned firms are less likely to demand credit compared to audited and innovative firms. On the other hand …, small, medium, publicly listed, sole proprietorship and foreign-owned firms had a higher probability of being credit …
Persistent link: https://www.econbiz.de/10013370124
mortgages or moving. Black and Hispanic white borrowers face challenges refinancing because, on average, they have lower credit …
Persistent link: https://www.econbiz.de/10012653488
Persistent link: https://www.econbiz.de/10013370148
The ongoing initiatives to offer central bank money to consumers in the form of retail central bank digital currency (CBDC) have triggered discussions on its optimal design. So far, the perspective of potential users has not been considered widely. To strengthen this perspective, we survey 2006...
Persistent link: https://www.econbiz.de/10013370158
An expansion in mortgage credit to subprime borrowers is widely believed to have been a principal driver of the 2002 …
Persistent link: https://www.econbiz.de/10012030276
Financial inclusion or access to financial services, is a major development goal for all nations across the globe. Financial inclusion does not concern only "access, but also the "use"" of financial services. This paper examines the loan taking behavior of individuals based on survey of 844...
Persistent link: https://www.econbiz.de/10012099541
change for consumer/investor protection, especially for socially more vulnerable households, and on the resulting risk for … more feasible and economically more efficient. During the transition period until household investment behaviour will have …
Persistent link: https://www.econbiz.de/10013370141