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Microfinance banks and financial inclusion

Brown, Martin; Guin, Benjamin; Kirschenmann, Karolin - 2013 - This version: October 2013

We examine how the geographical proximity to a new microfinance bank branch affects the use of bank accounts by low …. Our results suggest that microfinance banks can promote financial inclusion even in emerging markets which are well served …

Persistent link: https://www.econbiz.de/10010407639

Microfinance Banks and Household Access to Finance

Brown, Martin; Guin, Benjamin; Kirschenmann, Karolin - School of Finance, Universität St. Gallen - 2013

We examine how the expansion of the branch network of a microfinance bank between 2006 and 2010 in South-East Europe … the location of each household and match this data with branch location information for the major microfinance bank in the … results suggest that microfinance banks do expand the frontier of finance as compared to ordinary retail banks. …

Persistent link: https://www.econbiz.de/10010686708

Information Sharing and Credit: Firm-Level Evidence from Transition Countries

Brown, Martin; Jappelli, Tullio; Pagano, Marco - 2008

We investigate whether information sharing among banks has affected credit market performance in the transition countries of Eastern Europe and the former Soviet Union, using a large sample of firm-level data. Our estimates show that information sharing is associatedwith improved availability...

Persistent link: https://www.econbiz.de/10010301435

Information sharing and credit: Firm-level evidence from transition countries

Brown, Martin; Jappelli, Tullio; Pagano, Marco - 2008

Persistent link: https://www.econbiz.de/10010303674

The Threat of Exclusion and Implicit Contracting

Brown, Martin; Serra-Garcia, Marta - 2016

Implicit contracts can mitigate moral hazard in labor, credit and product markets. The enforcement mechanism underlying an implicit contract is the threat of exclusion: the agent fears that he will lose future income if the principal breaks off the relationship. This threat may be very weak in...

Persistent link: https://www.econbiz.de/10011555534

Which households use banks? Evidence from the transition economies

Beck, Thorsten; Brown, Martin - 2011

This paper uses survey data for 29,000 households from 29 transition economies to explore how the use of banking services is related to household characteristics, bank ownership structure and the development of the financial infrastructure. At the household level we find that the holding of a...

Persistent link: https://www.econbiz.de/10011605341

Which households use banks?

Beck, Thorsten; Brown, Martin - 2011

Persistent link: https://www.econbiz.de/10009640628

The Threat of Exclusion and Relational Contracting

Brown, Martin; Serra-Garcia, Marta - 2011

Relational contracts have been shown to mitigate moral hazard in labor and credit markets. A central assumption in most theoretical and experimental studies is that, upon misbehaving, agents can be excluded from their current source of income and have to resort to less attractive outside...

Persistent link: https://www.econbiz.de/10010427599

How do banks screen innovative firms? Evidence from start-up panel data

Brown, Martin; Degryse, Hans; Höwer, Daniel; Penas, … - 2012

Start-up firms often face difficulties in raising external funds. Employing a unique panel dataset covering 9,715 start-up firms over the period 2007-2009, we find that high-tech startups are less likely to use bank finance and face more difficulties in raising bank finance than low-tech...

Persistent link: https://www.econbiz.de/10010308954

Information sharing and credit : firm-level evidence from transition countries

Brown, Martin; Jappelli, Tullio; Pagano, Marco - In: Journal of financial intermediation 18 (2009) 2, pp. 151-172

Persistent link: https://www.econbiz.de/10003832413