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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

Microfinance banks and financial inclusion

Brown, Martin; Guin, Benjamin; Kirschenmann, Karolin - In: Review of finance : journal of the European Finance … 20 (2016) 3, pp. 907-946

Persistent link: https://www.econbiz.de/10011590658

Microfinance commercialization and mission drift

Brown, Martin; Guin, Benjamin; Kirschenmann, Karolin - In: Die Unternehmung : Swiss journal of business research … 66 (2012) 4, pp. 340-357

Persistent link: https://www.econbiz.de/10009679549

The Threat of Exclusion and Relational Contracting

Brown, Martin; Serra-García, Marta - School of Finance, Universität St. Gallen - 2014

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/10011154565

Credit Booms and Busts in Emerging Markets: The Role of Bank Governance and Risk Managment

Andries, Alin Marius; Brown, Martin - School of Finance, Universität St. Gallen - 2014

This paper investigates to what extent risk management and corporate governance mitigate the involvement of banks in credit boom and bust cycles. Using a unique, handcollected dataset on 156 banks from Central and Eastern Europe during 2005-2012, we assess whether banks with stronger risk...

Persistent link: https://www.econbiz.de/10011154574

Regional Inflation and Financial Dollarization

Brown, Martin; De Haas, Ralph; Sokolov, Vladimir - School of Finance, Universität St. Gallen - 2013

, suggesting that the asset-liability management of banks constrains the currency-portfolio choices of households. …

Persistent link: https://www.econbiz.de/10011154584

Credit Reporting, Relationship Banking, and Loan Repayment

Brown, Martin; Zehnder, Christian - Schweizerische Nationalbank (SNB) - 2006

This paper examines the impact of credit reporting on the repayment behavior of borrowers. We implement an experimental credit market in which loan repayment is not third-party enforceable. We then compare market outcome with a public credit registry to that without a credit registry. This...

Persistent link: https://www.econbiz.de/10008925004

Banking Sector Reform and Interest Rates in Transition Economies: Bank-Level Evidence from Kyrgyzstan

Brown, Martin; Maurer, Maria Rueda; Pak, Tamara; … - Schweizerische Nationalbank (SNB) - 2007

We examine the impact of banking sector reforms on interest rates using bank-level data from Kyrgyzstan for 1998-2005. We find that increased confidence in the banking sector has contributed significantly to lowering interest rate levels, while the impact of lower intermediation costs, credit...

Persistent link: https://www.econbiz.de/10008925033

Foreign Currency Borrowing by Small Firms

Brown, Martin; Ongena, Steven; Yesin, Pınar Ayşe Yeşin - Schweizerische Nationalbank (SNB) - 2009

We examine the firm- and country-level determinants of the currency denomination of small business loans. We first model the choice of loan currency in a framework which features a trade-off between lower cost of debt and the risk of firm-level distress costs, and also examines the impact of...

Persistent link: https://www.econbiz.de/10008925048

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