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Cyclicality of SME Lending and Government Involvement in Banks

Behr, Patrick - 2016

on financial stability and the real economy. We investigate the cyclicality of SME lending by local banks with vs …

Persistent link: https://www.econbiz.de/10012988665

Bank Credit and Trade Credit : Evidence from SMEs Over the Financial Crisis

McGuinness, Gerard - 2016

This paper uses panel data to test the extent to which trade credit has acted as a substitute for bank finance in Small and Medium Sized Enterprises (SMEs), in the aftermath of the financial crisis of 2008. It demonstrates that the reduction in the supply of funds to SMEs was compounded by the...

Persistent link: https://www.econbiz.de/10012990005

Rate Ceilings and the Distribution of Small Dollar Loans from Consumer Finance Companies : Results of a New Survey of Small Dollar Cash Lenders

Durkin, Thomas A. - 2014

Research conducted many years ago that indicated substantial cost economies of loan size in consumer lending. This finding implies that low interest rate ceilings make small loan sizes unprofitable and will not be available in the marketplace. Furthermore, research indicates that demanders of...

Persistent link: https://www.econbiz.de/10013043149

FinTech credit and entrepreneurial growth

Hau, Harald; Huang, Yi; Shan, Hongzhe; Sheng, Zixia - 2021

Based on automated credit lines to more than two million vendors trading on Alibaba’s online retail platform, we show how the take-up of FinTech credit varies with the entrepreneur’s bank distance. Proximity to the branches of the five largest stateowned banks correlates positively with the...

Persistent link: https://www.econbiz.de/10012612853

Un-Used Bank Capital Buffers and Credit Supply Shocks at SMEs During the Pandemic

Berrospide, Jose M.; Gupta, Arun; Seay, Matthew P. - 2021

Did banks curb lending to creditworthy small and mid-sized enterprises (SME) during the COVID-19 pandemic? Sitting on …. Using a novel set of confidential loan level data that includes private SME firms, we show that "buffer-constrained" banks … (those entering the pandemic with capital ratios close to this regulatory buffer region) reduced loan commitments to SME …

Persistent link: https://www.econbiz.de/10013219081

Piercing through Opacity : Relationships and Credit Card Lending to Consumers and Small Businesses during Normal Times and the COVID-19 Crisis

Berger, Allen N.; Bouwman, Christa H. S.; Norden, Lars; … - 2021

We investigate bank relationships in a rarely-considered context – consumer and small business credit cards. Using over one million accounts, we find during normal times, consumer relationship customers enjoy relatively favorable credit terms, consistent with the bright side of relationships,...

Persistent link: https://www.econbiz.de/10013231467

[Access to Bank Credit and SME Financing. (Case of Kosovo) Paper Title]

Nure, Gazmend - 2021

conclusions for the Kosovo financial system and policymakers to implement SME support and policies …

Persistent link: https://www.econbiz.de/10013236424

COVID-19 Impact on Micro, Small, and Medium-Sized Enterprises under the Lockdown : Evidence from a Rapid Survey in the Philippines

Shinozaki, Shigehiro; Rao, Lakshman Nagraj - 2021

The novel coronavirus disease, COVID-19, has brought significant change to people’s lives and business activities nationally, regionally, and globally. The Philippines took swift action—including enhanced community quarantine (ECQ)—to contain the pandemic and launched an emergency subsidy...

Persistent link: https://www.econbiz.de/10013239019

COVID-19, fintech, and the recovery of micro, small, and medium-sized enterprises : evidence from Bangladesh

Hossain, Monzur; Chowdhury, Tahreen Tahrima - 2022

This study assesses the impact of the COVID-19 pandemic on micro, small, and medium-sized enterprises (MSMEs) and the role of Fintech, in particular mobile financial services (MFS), in their recovery from COVID-induced losses. The study uses data from a survey of 216 MSMEs from Bangladesh Small...

Persistent link: https://www.econbiz.de/10012807627

Are bank merger characteristics important for local community investment?

Minton, Bernadette A.; Taboada, Alvaro G.; Williamson, Rohan - 2020

Using a sample of 3,964 bank mergers during the 1999-2016 period, we examine the differential effects of merger and local market characteristics on local small business lending through banks' dependence on soft information acquisition relative to technology driven lending. Mergers involving...

Persistent link: https://www.econbiz.de/10012244527