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Minority small-firm credit applicants : does persistence pay?

Kim, Grace - In: Journal of entrepreneurial finance : JEF ; official … 15 (2011) 2, pp. 91-106

When credit application experiences are examined, minority-owned small firms are not the discouraged borrowers that credit outcome studies generally suggest. This paper examines repeated application for credit by small firms. Univariate statistical analysis reveals that persistence is necessary...

Persistent link: https://www.econbiz.de/10010345495

Effects of interest rate caps on microcredit: evidence from a natural experiment in Bolivia

Roa, María José; Villegas, Alejandra; Garrón, Ignacio - 2020

This paper evaluates the imposition of caps on microcredit lending rates through directed credit policies for productive sectors. This financial inclusion intervention provides a unique quasi-experiment, allowing to estimate its causal effect following a difference-in-differences analysis. Our...

Persistent link: https://www.econbiz.de/10012285081

Do Banks Price Discriminate Spatially? Evidence from Small Business Lending in Local Credit Markets

Bellucci, Andrea - 2013

In this paper we explore the effects of bank-borrower physical proximity on price and non-price aspects of small business lending in local credit markets. Along the price dimension, our analysis reveals that interest rates increase with bank-borrower distance and decrease with the distance...

Persistent link: https://www.econbiz.de/10013087190

Lending Technologies and Lending Relationships

Karapetyan, Artashes - 2019

We examine banks' choice between two costly instruments used to identify good loan applicants: direct screening by acquiring borrower-specific information and collateral requirements. We show that with longer relationships the preference for screening increases both in initial and in later...

Persistent link: https://www.econbiz.de/10012899129

Small Business Credit Demand and Application Costs

Witzen, B. Heath - 2022

This paper studies the effect of increased application costs on small business loan demand. Using data on loan applications, I find that applicants disproportionately choose loan amounts just below thresholds where credit underwriting requires supplementary information from applicants and...

Persistent link: https://www.econbiz.de/10014239221

Case study on crowdfunding

Robano, Virginia - 2018

The present report is a case study on crowdfunding as a finance instrument for SMEs and entrepreneurs. The report aims … improve or hamper SME access to crowdfunding opportunities; to illustrate policy experiences and programme outcomes; and to …

Persistent link: https://www.econbiz.de/10011876997

Marketplace lending of SMEs

Cumming, Douglas J.; Hornuf, Lars - 2020

Peer-to-business lending refers to online platforms facilitating loans from individuals to smalland medium-sized enterprises (SMEs). We conjecture that easy-to-understand risk ratings conveyed by the platform play a pronounced role in influencing the borrowing success of SMEs and that more...

Persistent link: https://www.econbiz.de/10012166027

Small Business Finance in Bangladesh : Can 'Crowdfunding' Be an Alternative?

Adhikary, Bishnu - 2016

financial structure, and reviews crowdfunding — a recently developed market-based phenomenon — as an alternative. The paper … argues that crowdfunding approach can effectively solve this systematic problem by filling the gap left by the microcredit … institutions and commercial banks. Crowdfunding can also be used for financing the young startups without replacing business angels …

Persistent link: https://www.econbiz.de/10012980360

Is Venture Capital the Source of Financing for Micro-Enterprises?

Prohorovs, Anatolijs - 2015

The current article examines the issue of financing the micro-enterprises of Latvia by venture capital funds. It considers the number of applications submitted by enterprises to venture capital funds, the number of investments and the amount of the financing granted to enterprises in general and...

Persistent link: https://www.econbiz.de/10013026364

Fintech and Racial Barriers in Small Business Lending

Fei, Celine Yue; Yang, Keer - 2022

Using a nationwide restaurant sample, we document that minority-owned businesses are more likely to apply to the Paycheck Protection Program through fintech than traditional lenders. We motivate our analysis by a two-sided matching model where this phenomenon can be generated through "technology...

Persistent link: https://www.econbiz.de/10013322836

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