lending, borrower quality and collateral as a key variable in loan contract design. We used a unique data set based on the … examination of credit files of five leading German banks, thus relying on information actually used in the process of bank credit … borrower quality and the incidence or degree of collateralization. Our results indicate that the use of collateral in loan …

-lending revenues, and those that pledge collateral, especially outside assets and real estate, experience less credit rationing …We investigate how financial contracting interacts with lending channel effects by tracing the anatomy of a credit …

study was to examine the farmers’ access to credit: does collateral matter or cash flow matter?—evidence from Sindh province …Credit is highly demanded in different parts of the world, mainly for capital requirement to improve land, purchase of …-to-face interview. To find the important factors affecting access to credit in Sindh province of Pakistan, we performed descriptive …