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Discovering the preferences and the behaviour of consumers is a key challenge in marketing. Information about such topics can be gathered through surveys in which the respondents must assign a score to a number of items. In this article we suggest a strategy to analyze such data and achieve this...
Persistent link: https://www.econbiz.de/10009349222
Standard choice models used to optimize product line prices are effective at capturing the effects of prices on the affordability of products but do not incorporate intraline price spillovers, or the effects of prices on consumer preferences for branded product lines. To date, no approach exists...
Persistent link: https://www.econbiz.de/10012850355
Researchers in marketing are often interested in analyzing how an agent’s discrete choice decision affects a subsequent or concurrent discrete choice decision by the same or different agent. This analysis may necessitate the use of a simultaneous equations model with discrete and continuous...
Persistent link: https://www.econbiz.de/10014039148
Using panel firm-level data, this paper analyses the main factors affecting firms' access to bank credit in eleven Euro Area countries over the period 2014-2016. We focus on firm's loan demand behaviour and on bank's actual credit granting decision, using alternative measures of credit...
Persistent link: https://www.econbiz.de/10012910602
The purpose of this research study has been to expand our understanding of the finance-growth ‘nexus’ to finance-growth-inequality ‘nexus’ in the presence of both the formal and the informal sources of borrowing. Using empirical evidence of IHDS Survey data for two rounds the study...
Persistent link: https://www.econbiz.de/10012892155
Banking supervision requires regular inspection and assessment of financial institutions. In Germany this task is carried out by the central bank (“Deutsche Bundesbank, BBK”) in cooperation with the Federal Financial Supervisory Authority (“Bundesanstalt für Finanzdienstleistungsaufsicht,...
Persistent link: https://www.econbiz.de/10009160856
The purpose of this research study has been to expand our understanding of the finance-growth "nexus" to finance-growth-inequality "nexus" in the presence of both the formal and the informal sources of borrowing. Using empirical evidence of IHDS Survey data for two rounds the study attempts to...
Persistent link: https://www.econbiz.de/10011952114
In this paper we apply a bivariate probit model to investigate the implications of bank lending policy. In the first equation we model the bank's decision to grant a loan, in the second the probability of default. We confirm that banks provide loans in a way that is not consistent with default...
Persistent link: https://www.econbiz.de/10011583112
To evaluate loan applicants, banks increasingly use credit scoring models. The objective of such models typically is to minimize default rates or the number of incorrectly classified loans. Thereby they fail to take into account that loans are multiperiod contracts for which reason it is...
Persistent link: https://www.econbiz.de/10011584224
Outright bank failures without prior indication of financial instability are very rare. Supervisory authorities monitor banks constantly. Thus, they usually obtain early warning signals that precede ultimate failure and, in fact, banks can be regarded as troubled to varying degrees before...
Persistent link: https://www.econbiz.de/10012989299