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Measurement and determinants of access to loans
Hainz, Christa; Nabokin, Tatjana - 2013
Measuring and identifying financial constraints represents an important challenge in empirical studies. Due to data limitations perception-based indicators or approximations of access to finance by the usage of finance are often used, disregarding firm-specific differences in the demand for...
Persistent link: https://www.econbiz.de/10009728261
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Institutional reform and depositors' portfolio choice : evidence from censored quantile regressions ; conference paper
Berlemann, Michael; Luik, Marc-André - 2014
The determinants of portfolio choice have been studied extensively in the field of household finance. In this paper we study the determinants of the decision to hold risky assets based on a novel dataset of German bank data. Our primary focus is the question whether East Germans differ in their...
Persistent link: https://www.econbiz.de/10010481348
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The importance of geographic access for the impact of microfinance
Alimukhamedova, Nargiza; Filer, Randall Keith; Hanousek, Jan - 2015
microcredits in Uzbekistan. Residents living closer to microfinance institutions are propensity score matched to those further away … using both household and village characteristics. Households located closer to microfinance institutions have larger …
Persistent link: https://www.econbiz.de/10011292967
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Annual DC pension statements and the communications challenge
Antolín Nicolás, Pablo; Harrison, Debbie - 2012
This paper examines and evaluates the content and design of the annual pension statement sent to members of funded defined contribution (DC) pension schemes in a selection of OECD and non-OECD countries. The aims of the research are to identify the potential shortcomings in statement planning...
Persistent link: https://www.econbiz.de/10009684035
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From boom to bust : how different has microfinance been from traditional banking?
Wagner, Charlotte - 2010
This paper presents an in-depth analysis of developments in the microfinance sector before and after the Lehman … developing countries. The findings indicate that microfinance has been part of the same credit boom observed in the traditional … capital. This raises the question whether the crisis resilience the microfinance sector has shown in the past remains a …
Persistent link: https://www.econbiz.de/10008758753
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A socioeconomic approach to the profile of microcredit holders from the Hispanic minority in the USA
Cruz Rambaud, Salvador; López Pascual, Joaquín; … - In: Financial innovation : FIN 9 (2023) 1, pp. 1-25
The subject of this study is the microcredit market in the USA, more specifically in Florida. The justification for choosing this specific state is the massive presence of the Hispanic population. This will facilitate a generalization of the obtained results to the microcredit market in Latin...
Persistent link: https://www.econbiz.de/10014288915
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Evidence on US Savings and Loan Profitability in Times of Crisis
Doyran, Mine Aysen - 2014
on bank earnings, the effects of interest rates can vary depending on the profit indicator used. By and large, there is …
Persistent link: https://www.econbiz.de/10013067231
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The Recovery of US Commercial Banking : An Analysis of Revenues, Profits, Dividends, Capital and Value Creation
Weigand, Robert A. - 2013
This paper reviews the financial performance, risk, changing revenue and asset mix and prospects for future shareholder value creation of the 20 largest commercial banks in the US from 2003-2012. Fifteen of the 20 banks in the sample reported record revenues in 2012, with 12 of these banks also...
Persistent link: https://www.econbiz.de/10013076140
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Earnings Forecasts and Governability : Evidence from US
Mamatzakis, Emmanuel - 2019
We examine the effect of governance on analysts' earnings forecasts. We contribute in the literature by opting for … between the government effectiveness and analysts' earnings forecasts. We extend this analysis also using corporate governance … governability and the former. This paper, further, investigates the effects of earnings management on analysts' earnings forecasts …
Persistent link: https://www.econbiz.de/10012903031
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The Dynamics of US Bank Profitability
Chronopoulos, Dimitris K. - 2018
We examine the determinants of profitability for a large sample of US banks over the period 1984-2010. Specifically, we assess the extent to which short-run profits persist, and whether such persistence is affected by changes in regulation and the recent financial crisis. Our findings suggest...
Persistent link: https://www.econbiz.de/10012940340