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The role of demographics in small business loan pricing
Neuberger, Doris; Räthke-Döppner, Solvig - In: Small business economics : an entrepreneurship journal 44 (2015) 2, pp. 411-424
Persistent link: https://www.econbiz.de/10011334602
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The role of demographics in small business loan pricing
Neuberger, Doris; Räthke-Döppner, Solvig - 2014
To sustain growth in an aging economy, it is important to ease the financing of small firms by bank loans. Using bank internal data of small business loans in Germany, we examine the determinants of loan rates in the period 1995-2010. Beyond characteristics of the firm, the loan contract, and...
Persistent link: https://www.econbiz.de/10010240075
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Kreditvergabe der Banken an kleine und mittelständische Unternehmen : Ergebnisse einer schriftlichen Befragung deutscher Banken
Lindner-Lehmann, Monika; Lehmann, Erik; Neuberger, Doris - 1998
Persistent link: https://www.econbiz.de/10000674499
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Systemic usury and the European Consumer Credit Directive
Neuberger, Doris; Reifner, Udo - 2019 - Revised version Dezember 2019
Usury is a frequent occurrence in consumer credit markets and particularly affects low-income households. Although the … to a group which is statistically discriminated against leads to entrapment in a chain of usurious credit and financial … contracts. This paper reviews the economic rationale for usury legislation and evaluates the European Consumer Credit Directive …
Persistent link: https://www.econbiz.de/10012132614
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Systemic usury and the European Consumer Credit Directive
Neuberger, Doris; Reifner, Udo - 2019
Usury is a frequent occurrence in consumer credit markets and particularly affects low-income households. Systemic … European Consumer Credit Directive 2008/48/EC. Systemic usury is a market failure. The most powerful explanations for such … failure in consumer credit markets are monopoly power, where the consumer is locked in a bilateral credit relationship …
Persistent link: https://www.econbiz.de/10012027590
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Financial inclusion, regulation, and education in Germany
Neuberger, Doris - 2015
credit constrained. The quality of financial inclusion is impaired by a low level of financial literacy, which is also … by public savings banks, credit cooperatives, public promotional banks, and guarantee banks using the "housebank" model …, and financial consumer protection and credit reporting regulations and institutions. Programs involving microfinance …
Persistent link: https://www.econbiz.de/10010532087
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Collateral and its substitutes in emerging markets' lending
Menkhoff, Lukas; Neuberger, Doris; Ornsiri Rungruxsirivorn - 2011
Due to opaque information and weak enforcement in emerging loan markets, the need for collateral is high, whereas borrowers lack adequate assets to pledge as collateral. How is this puzzle solved? We find for a representative sample from Northeast Thailand that indeed most loans do not include...
Persistent link: https://www.econbiz.de/10009303939
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The use of collateral in formal and informal lending
Kislat, Carmen; Menkhoff, Lukas; Neuberger, Doris - 2013
We offer a new test of the ex ante theory of collateral. Theory states that lenders rely less on collateral if they have better information about borrowers. We test this by contrasting the use of collateral between formal and – better informed – informal lenders in a developing financial...
Persistent link: https://www.econbiz.de/10010192360
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The use of collateral in formal and informal lending : conference paper
Kislat, Carmen; Menkhoff, Lukas; Neuberger, Doris - 2013
The ex ante theory of collateral states that better informed lenders, such as informal lenders, rely less on collateral. We test this by contrasting the use of collateral between formal and informal lenders in the same market. Indeed, formal lenders rely more often on collateral, controlling for...
Persistent link: https://www.econbiz.de/10010342166
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Systemic usury and the European consumer credit directive
Neuberger, Doris; Reifner, Udo - In: Vierteljahrshefte zur Wirtschaftsforschung 89 (2020) 1, pp. 115-132
Usury is a frequent occurrence in consumer credit markets and particularly affects low-income households. Although the … to a group which is statistically discriminated against leads to entrapment in a chain of usurious credit and financial … contracts. This paper reviews the economic rationale for usury legislation and evaluates the European Consumer Credit Directive …
Persistent link: https://www.econbiz.de/10012507235