/Value - household borrowing, the credit market and the P2P platforms are widely analysed by both academics and financial institutions …Purpose - to analyse the main borrowing alternatives available to Lithuanian households and the credit market as a … macroeconomic environment for all the credit market segments is the same, the P2P segment is developing significantly faster. If …

This paper studies a type of mortgage applications in which household applicants reject offers from lenders. We find …

attitudes toward credit may influence individuals' debt financing decisions. This paper investigates the importance of these … factors by analysing the results of an original survey about the recourse to consumer credit, conducted on a wide sample of … recourse to consumer credit? Are there any differences in psychological profiles of credit users and non-users that can be …

. Payday credit is priced per dollar borrowed, so when that option is available, depositors prone to small overdrafts switch … at banks and other depository institutions increases when depositors have access to payday credit. Our findings … illuminate competition and pricing frictions in the large, yet largely unstudied, small-dollar loan market. -- Payday credit …

. Payday credit is priced per dollar borrowed, so when that option is available, depositors prone to small overdrafts switch … at banks and other depository institutions increases when depositors have access to payday credit. Our findings …

located closer to the household than non-mortgage relations. Examining the heterogeneity of mortgage relations across …

A crucial condition for the existence of a credit channel through bank loans is that monetary policy should be able to … small banks are excluded. Overall, the evidence is compatible with the existence of a credit channel, although it is …

effect of banking uncertainty on firms' trade credit. We find that trade credit increases with heightened uncertainty in the … with lower bank debt in firms, indicating a substitution effect between bank credit and trade credit when uncertainty rises …. A further mechanism test shows that the uncertainty effect on trade credit works through strategic and financing motives …

2015, we test whether young businesses are more likely to face credit rejections from lenders than their older peers. Our … the issue of sample selection bias potentially affecting our data. Additional tests also reveal that credit constraints … viability of credit and, thus, ensure the growth of young businesses in the Euro area. …