This paper investigates the role of loan contract terms in the performance of consumer credit. Taking advantage of a …

This study analyses the credit channel of monetary policy transmission via major credit providers in Kenya before and …, the study establishes whether controls on interest rates triggered a shift in credit allocation via a spectrum of … providers; commercial banks, savings & credit cooperatives, and micro-finance banks. Findings show that the strength of policy …

This paper investigates whether loan officer's level of seniority within the bank explains credit spreads. Based on a …

participated in floor-adjusted credit lines had noninterest expense rates 10-20 bps higher than did banks in purely floating rate … facilities. Demand for floors appears to originate from the supply of credit as borrowers seeking to extend loans between 2005 …