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Financial inclusion, regulation, and education in Germany

Neuberger, Doris - 2015

Germany's bank-based financial system provides a high level of financial inclusion, measured by bank outreach and use … implementing the right to a basic bank account with an overdraft facility and protection against attachment, establishing public …

Persistent link: https://www.econbiz.de/10010532087

Adverse selection and credit certificates : evidence from a P2P platform

Hu, Maggie Rong; Li, Xiaoyang; Shi, Yang - 2019

Certificates are widely used as a signaling mechanism to mitigate adverse selection when information is asymmetric. To reduce information asymmetry between lenders and borrowers, Chinese peer-to-peer (P2P) lending platforms encourage borrowers to obtain various kinds of credit certificates. As...

Persistent link: https://www.econbiz.de/10011993929

Young enterprises and bank credit denials

Mascia, Danilo V. - 2018

By employing a sample of 20,956 observations of non-financial SMEs headquartered in the Euro area, between 2009 and 2015, we test whether young businesses are more likely to face credit rejections from lenders than their older peers. Our findings appear to confirm our suspicions that new...

Persistent link: https://www.econbiz.de/10011845249

The paradox of progress : technological advancements in banking and the dual impact on SME bank borrowing

Hryckiewicz, Aneta; Korosteleva, Julia; Kozłowski, Łukasz - 2024

This study delves into the impact of technological bank innovations on small and medium-sized enterprise (SME …) borrowing across the European Union. By analyzing a comprehensive dataset of 179,921 SME-bank lending relationships from 2009 to … play a crucial role in expanding bank credit to SMEs. However, we also identify a paradoxical dual effect: while …

Persistent link: https://www.econbiz.de/10015071855

Does corruption affect access to bank credit for micro and small businesses? : evidence from European MSMEs

Galli, Emma; Mascia, Danilo V.; Rossi, Stefania - 2017

-2014, we investigate whether the level of corruption affects their demand for bank loans. Overall, we find that the degree of … corruption seems to play a role in the applications for bank loans when small firms are under investigation. Interestingly …

Persistent link: https://www.econbiz.de/10011671595

The gender gap in peer-to-peer lending : evidence from the People's Republic of China

Chen, Xiao; Huang, Bihong; Ye, Dezhu - 2019

This paper documents and analyzes the gender gap in the online credit market. Using data from Renrendai, a leading peer-to-peer lending platform in the People's Republic of China (PRC), we show that lending to female borrowers is associated with better loan performance, including a lower...

Persistent link: https://www.econbiz.de/10012029131

Commercial bank innovations in small and medium-sized enterprise finance : global models and implications for Thailand

Tientip Subhanij - 2016

In Thailand, the government has long recognized the importance of small and medium-sized enterprises (SMEs) to the economy and has given a large amount of financial support to this sector. Still, SMEs are not able to catch up with larger enterprises and the constraints to SME financing remain...

Persistent link: https://www.econbiz.de/10011522031

Finance for micro, small, and medium-sized enterprises in India : sources and challenges

Singh, Charan; Wasdani, Kishinchand Poornima - 2016

Finance for micro, small, and medium-sized enterprises (MSMEs) has been a concern for all stakeholders including entrepreneurs, financial institutions, and government organizations. The key objective of the study was to identify various challenges faced by MSMEs in sourcing of finance during...

Persistent link: https://www.econbiz.de/10011522010

The impact of finance on the performance of Thai manufacturing small and medium-sized enterprises

Amornkitvikai, Yot; Harvie, Charles - 2016

This study sheds light on small and medium-sized enterprise (SME) financing and its performance in Thailand. It elaborates on the key sources of finance existing for Thai manufacturing SMEs and their importance for SME performance as measured by technical efficiency, export performance, and...

Persistent link: https://www.econbiz.de/10011490747

Problems and opportunities for leveraging SME finance through value chains in Azerbaijan

Aliyev, Samir - 2019

financing. The paper preparation process has shown that SMEs mainly benefit from bank loans, whereas there are some …

Persistent link: https://www.econbiz.de/10012024505