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Hierarchical Modeling of Residential Default : Does State Level Foreclosure and Predatory Lending Legislation Limit 'Bad' Loans?

Goodman, Allen C. - 2010

A national loan level data set, aggregated at the zip code is used to examine the elasticity of default relative to local demographic characteristics and state level legislation regulating foreclosure procedures and predatory lending. We also illustrate the merit of using a form of hierarchical...

Persistent link: https://www.econbiz.de/10013152709

Hugo Grotius on Usury : acknowledging the end of the scholastic argument

Lapidus, André - In: The European journal of the history of economic thought 30 (2023) 6, pp. 1031-1049

Persistent link: https://www.econbiz.de/10015053033

Neither a borrower nor a lender be : an economic analysis of interest restrictions and usury laws

Glaeser, Edward L. - 1994

Persistent link: https://www.econbiz.de/10000907678

Neither a borrower nor lender be : an economic analysis of interest restrictions and usury laws

Glaeser, Edward L.; Scheinkman, José Alexandre - 1994

Persistent link: https://www.econbiz.de/10000909596

Lending, Interest Rate and Usury - Dilemma Persists

Datta, Debabrata - 2009

World has been witnessing financial crisis, emanating from the financial sector every now and then. Failed banks of bankrupt financial firms are being regularly bailed out, creating moral hazard problem and adversely affecting the health of the entire financial sector of the globe. This paper...

Persistent link: https://www.econbiz.de/10013157182

Neither a Borrower nor a Lender Be : An Economic Analysis of Interest Restrictions and Usury Laws

Glaeser, Edward L. - 1994

growth rates are low. Data from U.S. states' regulations supports a connection between inequality and usury laws. The history … of usury laws suggests that this social insurance mechanism is one reason why usury laws persist, but it also suggests … that usury laws have had different functions across time (eg. rent-seeking, limiting agency problems within the church …

Persistent link: https://www.econbiz.de/10012473945

Explaining the differences between local currency versus FX-denominated loans and deposits in the Central-Eastern European economies

Temesváry, Judit - 2014

Foreign currency-based loans and deposits became very popular in Central-Eastern European countries (CEECs) over the 2000-2011 period. This paper employs a structural approach to simultaneously examine the demand-side (consumer-related) and supply-side (bank-related) determinants of the quick...

Persistent link: https://www.econbiz.de/10010239275

Bank competition and export diversification

Nakhoda, Aadil - 2013

The role of the banking industry in export promotion cannot be over-emphasized as banks provide the necessary financial support for borrowers in various industries to undertake investment activities. With the help of an industry-level dataset on bilateral trade flows between various countries, I...

Persistent link: https://www.econbiz.de/10011527140

Bank Loans Pricing and Basel II : A Multi-Period Risk-Adjusted Methodology Under the New Regulatory Constraints

Curcio, Domenico - 2011

Under the new Basel II regulatory framework, the need for an effective risk-adjusted pricing mechanism has become even more central in banking than in the past: banks are spurred to develop risk-adjusted measures, to avoid wasteful customers' cross-subsidization and support the value creation...

Persistent link: https://www.econbiz.de/10013131209

Trade and Capital Openness : Impact on Bank Net Interest Margins, Lending and Risk-Taking Behavior

Ashraf, Badar Nadeem - 2016

This paper is a contribution to ‘interest groups theory of financial development' based debate that trade- and capital-openness are helpful for financial development. We extend this debate by examining the impact of trade- and capital-openness on net interest margins (rents), gross loan ratios...

Persistent link: https://www.econbiz.de/10013003421

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