strategies in the new branches. The organization of the customer lending business in particular was burdened by arbitrary and … instrumentalization of the customer lending business, whereby an increasing willingness to take risks in lending was used as a tool in … competition with a growing number of rival banks. …

competition in the banking sector during the 1970s spurred banks to supply credit through multilateral arrangements. Firms that … while their trade credit and share issuance contracted. …

imply an increase of 3 to 3.5 jobs for each million dollars of loans, suggesting real effects of credit constraints …. Estimated impacts are stronger for younger and larger firms and when local credit conditions are weak, but we find no clear …

lenders. The estimation results imply an increase of 3-4 jobs for each million dollars of loans, suggesting that credit … for the SBA 504 versus 7(a) programs, and with respect to the business cycle, local credit conditions, and within …

We exploit contract-level data on approved and rejected small-business loans to assess the impact of a new credit … registry in Bosnia and Herzegovina. Our findings are threefold. First, mandatory information sharing tightens lending at the … — especially registry information on applicants' outstanding debt — and less on soft information. Second, lending standards also …

credit registry in Bosnia and Herzegovina. Our findings are threefold. First, mandatory information sharing tightens lending … at the extensive margin as more applications are rejected, in particular in areas with strong credit market competition … — and less on soft information. Second, lending standards also tighten at the intensive margin: the registry leads to …