why micro‐lending institutions grant loans to poor individuals countering well‐known models of credit markets and credit … implications – The paper includes implications for the administration of micro‐credit loans in China and other developing nations …

loans. Students were used to test people's spontaneous estimates of loan cost when only the payment pattern was known, but … rather than relative measures when ranking loans. This leads to a bias against loans of longer duration. This can be avoided …

Purpose – This paper aims to investigate the determinants of taking out government‐funded student loans for university … various factors which affect students' decisions on funding their tertiary study using student loans or through other means …. Findings – The study finds that the probability of taking out student loans for the full cost of university is largely …

activity over the importance of loans and the quality of loan portfolios of banks in Europe. Design/methodology/approach The … loans and the quality of the banks’ loan portfolios. In addition, several robustness tests reinforce the results. Findings … The results show that corruption negatively impacts the importance of loans in bank assets and positively impacts the …

Purpose – The purpose of this paper is to empirically analyse the cross‐countries determinants of nonperforming loans … policy seems to reduce the level of problem loans. The paper also reports a desirable impact of private ownership, foreign … outcomes. All regulatory devices do not significantly reduce problem loans for countries with weak institutions, corrupt …

regressions. Findings – During the study time period, MFIs involved in the provision of group loans and with a higher percentage … of loans to women had lower costs. The presence of subsidies is also found to be associated with higher MFI costs. Social … implications – Providing financial services to women, and use of group loans was associated with lower costs in Eastern Europe and …

concerning the granting of loans. Findings – The findings show (amongst others) that bank internal ratings can be a motivation …