in France whose rates are set by the government. Using administrative credit-registry and regulatory bank data, we find … that a one-percentage-point increase in funding costs reduces credit by 17%. To insulate their profits, banks reach for …

growth in outstanding bank credit, deposit growth and asset quality, we find that lagged credit growth has a positive … Ratio is also seen to have a negative contemporaneous effect on credit growth, an indication of immediate supply side …

performance of businesses. Regression analysis shows that the use of credit savings and loan cooperatives can have a positive … currently arising is that cooperatives have started to lose the principles of kinship, especially savings and loan cooperatives … study wants to identify the effect of savings and loan cooperatives in improving people's welfare and increasing the …