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of whether or not the increased distance tolenders caused by branch office closures translates into a lower credit supply …-owned Swedish bank designed to support credit-constrainedSMEs, and relate loan size and the interest rate to the number of nearby … number of localbank offices increases the local credit supply, and thereby reduces credit constraints ofnearby SMEs …
Persistent link: https://www.econbiz.de/10012846593
Using survey data on Bulgarian and Macedonian firms that participated in USAID programs providing technical and financial assistance for small and medium-sized enterprises (SMEs) and on firms that did not, we estimate the effectiveness of such assistance in increasing the growth of employment in...
Persistent link: https://www.econbiz.de/10011533941
This paper evaluates the imposition of caps on microcredit lending rates through directed credit policies for … results indicating that the balance of the microcredit and SME loans portfolio granted by MFIs, relative to the company …
Persistent link: https://www.econbiz.de/10012285081
In the expansionary phase of the economy (1995-2007) and, particularly after the Euro introduction, credit to the … cycle the traditional credit constraint faced by SMEs (Vohrl and Adams, 1997; EU 2011; Callejón and Segarra, 2012), would … have been at least partially overcome, since most of these companies had access to abundant and cheap credit. The …
Persistent link: https://www.econbiz.de/10011490628
A new survey of 745 small businesses shows little change in the size distribution of businesses between 2012 and 2016, except among businesses with 40–74 employees in a way that is closely related to whether they offer health insurance coverage. Using measures of both size and voluntary...
Persistent link: https://www.econbiz.de/10012912881
. Importantly, we are able to assign at least half of this acceleration to the adoption of credit scoring technologies by the …. -- borrower-lender distance ; credit scoring ; information technology ; small business lending …
Persistent link: https://www.econbiz.de/10008664621
in the availability of credit. Using data from the nationally representative Surveys of Small Business Finances, which … availability of credit to male- and female-owned firms. More specifically, female-owned firms are significantly more likely to be … credit-constrained because they are more likely to be discouraged from applying for credit, though not more likely to be …
Persistent link: https://www.econbiz.de/10003947529
This study examines the consequences of loan denials for the investment performance of small and medium-sized German enterprises. As a consequence of a loan denial, innovative companies experience a smaller drop in the share of actual to planned investment than non-innovative companies. The...
Persistent link: https://www.econbiz.de/10003961525
Relationship lending is a common practice in credit financing all over the world, notably also in the European Union …&D-intensive firms, tend to choose a relationship lender. The same is observed for firms of high credit quality, independent of their … mid 1990s. -- relationship banking ; German banking system ; SME …
Persistent link: https://www.econbiz.de/10008939522
on financial stability and the real economy. We investigate the cyclicality of SME lending by local banks with vs … credit demand-side factors. The public mandate is set by local governments and stipulates a deviation from strict profit … percent less cyclical than other local banks. The result is credit supply-side driven and especially strong for savings banks …
Persistent link: https://www.econbiz.de/10011391616