We investigate how financial contracting interacts with lending channel effects by tracing the anatomy of a credit …-lending revenues, and those that pledge collateral, especially outside assets and real estate, experience less credit rationing …

and demand factors. I use a two-step process to build a credit standards index (CSI) based on disaggregated data from the … to explain corporate credit growth in Ukraine by using bank-level BLS data. First, I employ a panel ordered logit model … to transform categorical data into a continuous index that measures the likelihood of credit standards tightening. Second …

micro lending.Credit scoring can be efficient only in massive homogeneous markets. Microfinance usually addresses this kind …This chapter aims to present credit scoring as a technology meant to improve micro lending significantly. We consider … that credit scoring is an advanced technology because statistical procedures, some sophisticated, are required to design …