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Access to short-term credit and consumption smoothing within the paycycle

Zaki, Mary - 2016

I study the effect of access to payday loans on the timing, level and composition of consumption. Using a newly obtained military administrative dataset of sales at on-base grocery and department stores, I examine how consumption behavior changes after the passage of a federal law that...

Persistent link: https://www.econbiz.de/10011451483

Wealth inequality and the distributional effects of maximum loan-to-value ratio policy

Gatt, William - 2023

Macroprudential policy improves economic outcomes by reducing the likelihood and severity of financial crises. Yet it is pertinent to ask, are there unintended long run consequences to the introduction of a macroprudential policy regime, and are these consequences conditional on the a priori...

Persistent link: https://www.econbiz.de/10014335097

The new normal: bank lending and negative interest rates in Austria

Barmeier, Marcel - 2022

Evidence on the effects of negative interest rates on bank lending is inconclusive so far. By applying a difference … the introduction of a negative deposit facility rate by the European Central Bank led to an increased credit supply by …

Persistent link: https://www.econbiz.de/10013332415

Diversifying India's services exports through SEZs : status, issues and the way forward

Mukherjee, Arpita; Deb, Saubhik; Deora, Shreya; Goyal, … - 2015

Services play a key role in enhancing competitiveness of manufacturing and establishing global value chains. Realising the importance of services, a number of countries such as China, Taiwan, Philippines and United Arab Emirates (UAE, Dubai) are focusing on special economic zones (SEZs) for...

Persistent link: https://www.econbiz.de/10011404382

Mortgages and monetary policy

Garriga, Carlos; Kydland, Finn E.; Šustek, Roman - 2015

can affect household decisions through the cost of new mortgage borrowing and the value of payments on outstanding debt …

Persistent link: https://www.econbiz.de/10011306278

Mortgage debt, consumption, and llliquid housing markets in the Great Recession

Garriga, Carlos; Hedlund, Aaron - 2017

Using a model with housing search, endogenous credit constraints, and mortgage default, this paper accounts for the …

Persistent link: https://www.econbiz.de/10011782612

Smiles in profiles: improving fairness and efficiency using estimates of user preferences in online marketplaces

Athey, Susan; Karlan, Dean; Palikot, Emil; Yuan, Yuan - 2022

Persistent link: https://www.econbiz.de/10013365990

Investigating credit transmission mechanism in the Republic of Macedonia : evidence from Vector Error Correction Model

Eliskovski, Milan - 2018

paper investigates the effects of the monetary signals by the National Bank of the Republic of Macedonia on banks' lending …. The credit transmission is analyzed through its narrow nature or so called bank lending channel. In order to explain how … the bank lending channel operates in Macedonia, two theoretical models are considered and econometrically tested. The …

Persistent link: https://www.econbiz.de/10011852881

Economics of voluntary information sharing

Liberti, José; Sturgess, Jason; Sutherland, Andrew - 2018

We show that lenders join a U.S. commercial credit bureau when information asymmetries between incumbents and entrants create an adverse selection problem that hinders market entry. Lenders also delay joining when information asymmetries protect them from competition in existing markets,...

Persistent link: https://www.econbiz.de/10011960063

The risk-taking channel of monetary policy in Macedonia : evidence from credit registry data

Miteski, Mite; Mitreska, Ana; Vaskov, Mihajlo - 2018

Bank of the Republic of Macedonia (NBRM), which is complemented with data from banks' balance sheets. By using pooled OLS …, although the effect is relatively small. The results prove to be robust after controlling for several bank, loan and time …

Persistent link: https://www.econbiz.de/10011944421