Purpose – This research seeks to explore current attitudes, motivations and behaviours in relation to student credit … contextual factors associated with the credit‐friendly environment in which students live in addition to shedding light on … student orientation towards credit and debt, with specific conclusions for future student debt. Research limitations …

Takes an initial look at ways consumers use credit and how differences in credit usage by store type may be used to …‐term relationships with customers. Using credit usage information is one way of identifying consumers’ purchasing behavior. Illustrates … how differences in retail credit usage could be used to individualize marketing efforts by retailers. Also suggests how …

the degree of credit market imperfections. Design/methodology/approach – The authors use a novel firm‐level dataset … proxy for credit‐constraints at the firm‐level. As additional proxies for the importance of credit market imperfections, we …, understanding whether credit market conditions affect the link between volatility and growth is of importance for policy makers …

Generalizes existing models of credit markets under asymmetric information. The general model accommodates the adverse … as special cases. Market equilibrium may exhibit credit rationing, while aggregate investment may be above or below the …

risks. Originality/value – Prior to the 2008 credit meltdown, community banks significantly increased their issuance of off …

monetary policy through the credit channel in Brazil. The study verifies if the monetary policy, the economic activity and the … maturity of the inflation targeting regime affect the supply of credit. Design/methodology/approach – The paper offers a review … the credit channel, it develops a theoretical model based on Bernanke and Blinder and Ferreira and it seeks empirical …

supply of credit as well as the influence of such policies on the aggregate investment through the credit channel in Brazil … through the bank lending channel. With regards to elasticities, the findings indicate that the credit is very sensitive to … variations in economic activity and, in turn, prudential regulation presents a stronger influence on credit than the basic …

(NPLs), the potential impact of supervisory devices, and institutional environment on credit risk exposure. Design … the role of regulatory supervision on credit risk, the paper uses several interactions between institutional features and …. Practical implications – First, higher CARs results in less credit exposures. Second, international regulators should continue …

financial crisis. Emphasis is placed on differences among the mortgage, consumer credit and business loan securitization markets …-through with securitization are less in the consumer credit and business loan markets after the recent financial crisis relative to … rate transmission after the recent financial crisis point to the role on nonbanks in consumer credit and business loans and …