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The Competition between Relationship-Based Microfinance and Transaction Lending
Schrader, Jan - 2009
competition between different banking types. We find that the quality of ProCredit borrowers who have a trans- action loan as well …We empirically analyze the competition between a relationship lender and a transaction lender in the credit business … combined with data about all other loans of these customers in the Ecuadorian banking system, we are able to analyze the …
Persistent link: https://www.econbiz.de/10010301495
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Cosigners Help
Rai, Ashok S.; Klonner, Stefan - 2007
We investigate how well social collateral does as an alternative to traditional physical collateral. We do so by studying cosigned loans - a borrower´s loan is backed by the personal guarantee of a cosigner. We use a regression discontinuity approach with data from South Indian bidding Roscas....
Persistent link: https://www.econbiz.de/10010296032
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Information Sharing and Credit: Firm-Level Evidence from Transition Countries
Brown, Martin; Jappelli, Tullio; Pagano, Marco - 2008
We investigate whether information sharing among banks has affected credit market performance in the transition countries of Eastern Europe and the former Soviet Union, using a large sample of firm-level data. Our estimates show that information sharing is associatedwith improved availability...
Persistent link: https://www.econbiz.de/10010301435
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Financial Fragmentation despite Arbitrage
Klonner, Stefan; Rai, Ashok S. - 2009
If there were no impediments to the flow of capital across space, then interest rates would equalized. We provide evidence to the contrary. We find significant differences in interest rates across the South Indian state of Tamil Nadu, i.e. evidence that financial markets are fragmented. We also...
Persistent link: https://www.econbiz.de/10010301458
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Access to versus Use of Loans: What are the True Determinants of Access?
Hainz, Christa; Nabokin, Tatjana - 2009
Access to finance is a prerequisite for economic development. Existing studies measure access by the use of finance. We develop a direct measurement for access to finance from the Business Environment and Enterprise Performance Survey 2005 data. We determine whether a firm without a loan does...
Persistent link: https://www.econbiz.de/10010301465
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Village Funds in the Rural Credit Market of Thailand
Menkhoff, Lukas; Rungruxsirivorn, Ornsiri - 2009
This paper examines the contribution of recently introduced village funds in rural Thailand, one of the largest microfinance programs ever implemented. We use a cross-sectional approach examining village funds in relation to competing financial institutions. We find, first, that village funds...
Persistent link: https://www.econbiz.de/10010301725
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Are Remittances a 'Catalyst' for Financial Access? Evidence from Mexico
Ambrosius, Christian - 2011
In policy discussions, it has frequently been claimed that migrants' remittances could function as a 'catalyst' for financial access among receiving households. This paper provides empirical evidence on this hypothesis from Mexico, a main receiver of remittances worldwide. Using the Mexican...
Persistent link: https://www.econbiz.de/10010305596
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Allocating Cash Savings and the Role of Information: Evidence from a Field Experiment in Uganda
Buehren, Niklas - 2011
Microfinance in general and microcredit programs in particular have attracted much attention among interest groups concerned with poverty eradication and are seen by many as highly promising means in order to alleviate poverty. More recently, the spotlight has turned increasingly on the...
Persistent link: https://www.econbiz.de/10010305637
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Regional Financial Integration in Sub-Saharan Africa - An Empirical Examination of its Effects on Financial Market Development
Frey, Leo; Volz, Ulrich - 2011
private financial sector or on the efficiency of the banking sector. Regarding the effects of RFI on access to and costs of …
Persistent link: https://www.econbiz.de/10010305648
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Formal credit institutions in agriculture of Kazakhstan (micro-econometric analysis)
Gaisina, Sholpan - 2010
supplier of financial and investment resources could be a banking system and such non-banking credit institutions as credit …
Persistent link: https://www.econbiz.de/10010307582