costly equity and may either decrease loans or charge higher cost on bank credit. We argue that cost efficiency can help … banks to accumulate capital through profits, while at the same time, enable them to charge lower cost on bank credit …. Analyzing a panel dataset of 224 banks from China and India over the period 2007-2015, we find robust evidence that cost …

studied included credit and dividends accessed from table banking groups, entrepreneur's experience, education levels of women … entrepreneurs who participate in Village Saving and Credit Associations from Nakuru Town Kenya was used. The study found that all … threshold of 20%. This implied that the selected factors income, credit and education level of the respondents influenced …