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Auditing as a Signal in Small Business Lending
Dharan, Bala G. - In: Journal of Small Business Finance 2 (1992) 1, pp. 1-11
This paper models the borrowing decision of a small firm seeking a bank loan when it can optionally hire, at a cost, an …
Persistent link: https://www.econbiz.de/10011310306
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The Pricing of Small Business Loans
Ford, John K. - In: Journal of Small Business Finance 3 (1994) 3, pp. 249-260
A major difficulty in determining the appropriate risk premium for lending to small businesses is the lack of market value information. This paper develops a mean-variance model that uses available failure rate data to establish a benchmark risk premium for lending to firms in specific...
Persistent link: https://www.econbiz.de/10011310342
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Securitization of Small Business Loans
Beshouri, Christopher P.; Nigro, Peter J. - In: Journal of Small Business Finance 4 (1995) 1, pp. 1-29
This paper assesses the potential impact of securitization in improving small businesses’ access to credit. It begins by examining the nature of small business lending and the factors that make banks the primary providers of credit to small businesses. The paper then examines the conditions...
Persistent link: https://www.econbiz.de/10011310343
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Finance Companies and Small Business Borrowers: An Empirical Investigation
Haynes, George; Watts, Myles - In: Journal of Entrepreneurial and Small Business Finance 5 (1996) 1, pp. 17-42
Finance companies have been perceived as isolated and insignificant lenders, attracting high risk borrowers and charging these borrowers relatively high prices. Using the 1988 National Survey of Small Business Finance, this study examines the relationship between finance companies and other...
Persistent link: https://www.econbiz.de/10011310355
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Small Business Lending and Bank Profitability
Kolari, James; Berney, Robert; Ou, Charles - In: Journal of Entrepreneurial and Small Business Finance 5 (1996) 1, pp. 1-15
In theory commercial banks exist to resolve asymmetric information problems in credit markets. Because small business firms have much greater information problems than large firms, it is not surprising that they depend almost entirely on banks for external finance needs. Unfortunately, little is...
Persistent link: https://www.econbiz.de/10011310356
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Municipal Bond Boom in Hungary: Focusing on the Analysis of Local Financial Management
Kovács, Gábor - In: European Financial and Accounting Journal 6 (2011) 2, pp. 72-92
municipalities has prejudices and clearly has misconceptions about obtaining funds through borrowing. According to the principal … of local borrowing, knowledge of legal and administrative regulation, and skill in capital market financing. By summing …
Persistent link: https://www.econbiz.de/10010512882
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Public financial support to investments in rural areas: The case of the region of Thessaly in Greece
Karafolas, Simeon - In: International Journal of Economic Sciences and Applied … 6 (2013) 2, pp. 81-101
Greek governments have supported investments to rural areas financially either by covering part of the investment and … investments in rural areas and promote the development and the structural adaptation of the less developed European regions. This … paper examines public financial support for investments in rural areas in the case of the region of Thessaly, one of the 13 …
Persistent link: https://www.econbiz.de/10011310253
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No decline in investment in public-sector energy and water supply
Cullmann, Astrid; Nieswand, Maria; Stiel, Caroline - In: DIW Economic Bulletin 5 (2015) 42/43, pp. 577-583
A considerable share of public investment comes not only from public budgets but also from public utility companies. One major area of investment is energy and water supply, where the utility companies have substantial fixed assets in the form of distribution infrastructure. Using new microdata...
Persistent link: https://www.econbiz.de/10011372010
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Kein Rückgang der Investitionen in der kommunalen Energie- und Wasserversorgung
Cullmann, Astrid; Nieswand, Maria; Stiel, Caroline - In: DIW Wochenbericht 82 (2015) 43, pp. 1041-1047
Einen beachtlichen Anteil öffentlicher Investitionen tätigen - außerhalb der öffentlichen Haushalte - kommunale Unternehmen, beispielsweise Stadtwerke. Ein bedeutender Investitionsbereich ist die Energie- und Wasserversorgung, da die Unternehmen über beträchtliche Sachanlagen in der...
Persistent link: https://www.econbiz.de/10011372021
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Investments in education: The early years offer great potential
Spieß, C. Katharina - In: DIW Economic Bulletin 3 (2013) 10, pp. 3-10
Investments in education are of great importance for the competitiveness of the German economy. In particular, early …
Persistent link: https://www.econbiz.de/10010324319