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Banking the Unbanked : What Do 255 Million New Bank Accounts Reveal about Financial Access?
Agarwal, Sumit - 2017
Using administrative account level data, we study the largest financial inclusion program in India that led to 255 million new bank account openings. About 77% of these accounts maintain a positive balance. While the initial usage remains quite infrequent, it gradually converges to that of...
Persistent link: https://www.econbiz.de/10012964578
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The Price of Deposit Liquidity : Banks versus Microfinance Institutions
Laureti, Carolina - 2016
Using data from Bangladesh, this article finds that the liquidity premium – the difference between the interest paid on illiquid and liquid savings accounts – is higher in commercial banks than in microfinance institutions. One possible interpretation lies in the higher prevalence of...
Persistent link: https://www.econbiz.de/10013005625
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Selectivity and Transparency in Social Banking : Evidence from Europe
Cornée, Simon - 2018
How do social banks signal their social commitment to motivated funders? This paper hypothesizes that two main channels are used, namely selectivity and transparency. We test these predictions using a rich dataset comprising balance-sheet information on 5,000 European banks over the 1998-2013...
Persistent link: https://www.econbiz.de/10012919893
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The Price of Deposit Liquidity : Banks Versus Microfinance Institutions
Laureti, Carolina - 2018
Using data from Bangladesh, this paper finds that the liquidity premium—the difference between the interest paid on illiquid and liquid savings accounts—is higher in commercial banks than in microfinance institutions. One possible interpretation lies in the higher prevalence of...
Persistent link: https://www.econbiz.de/10012919897
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Bank Liquidity, Market Participation, and Economic Growth
Mattana, Elena - 2016
We report evidence that bank liquidity ratios (liquid assets as a percentage of total assets) decrease during the process of economic development. To reconcile this observation with the increasing importance of financial markets and the increasing direct participation of individual investors in...
Persistent link: https://www.econbiz.de/10013007735
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A New Proposal to Reduce Banks’ Inefficient Risk-Taking Behavior : Convertible/Bail-Inable Dividend Bonds
Doluca, Hasan - 2023
The proposal “Convertible/Bail-inable Dividend Bonds“ aims to reduce limited liability of bank owners: We propose that part (or the whole) dividends of the banks are not paid out cash to the equity holders. The dividends of the banks are given to the supervisory authority, which issues...
Persistent link: https://www.econbiz.de/10014352690
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Impact of Credit Risk Management on Bank Performance : An Empirical Study from Commercial Banks of Pakistan Listed at Pakistan Stock Exchange (PSE)
Zubair, Muhammad - 2018
This study investigated the impact of credit risk management on the performance of commercial banks of Pakistan listed at Karachi Stock Exchange. For empirical analysis secondary data of 13 commercial banks for the period of 2005 to 2013 is collected from the annual reports of commercial banks....
Persistent link: https://www.econbiz.de/10012933407
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The structure and performance of Ethiopia's financial sector in the pre- and post-reform period with a special focus on banking
Geda, Alemayehu - 2006
Since 1992 Ethiopia has been engaged in liberalizing its financial sector. The hallmark of the strategy is gradualism. The approach is not without problems especially from Bretton Woods Institutions that saw the reform as a sluggish process. This study examines this liberalization program by...
Persistent link: https://www.econbiz.de/10010333062
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A Note on the Profitability of African Banks : Islamic versus Conventional
Boungou, Whelsy - 2020
Islamic banks perform better than conventional banks in Africa. This result is driven by large banks …
Persistent link: https://www.econbiz.de/10012833816
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The Effect of Reducing Information Asymmetry on Loan Price and Quantity in the African Banking Industry
Asongu, Simplice - 2017
The purpose of this study is to assess how information sharing offices affect loan price and quantity in the African … Generalised Method of Moments, public credit registries decrease loan price. With instrumental Quantile Regressions, two main … findings are established. Public credit registries consistently decrease the price of loans whereas private credit bureaus …
Persistent link: https://www.econbiz.de/10012958254