When credit application experiences are examined, minority-owned small firms are not the discouraged borrowers that … credit outcome studies generally suggest. This paper examines repeated application for credit by small firms. Univariate … statistical analysis reveals that persistence is necessary but insufficient for minority firms to be successful credit applicants …

shorter maturity credit lines than large firms; (ii) have less active maturity management and therefore frequently have … expiring credit; (iii) post more collateral on both credit lines and term loans; (iv) have higher utilization rates in normal … recession. Consistent with the theory, the increase in bank credit in 2020:Q1 and 2020:Q2 came almost entirely from drawdowns by …

effect of the reforms on overall credit supply, while at the same time documenting a substantial decline in borrower- and …

can manage finances well and can pay credit according to a specified schedule. The objectives of this study are to … discover factors influencing financialliteracy, and test the relationship between literacy and credit status, so that it can … become a guideline for banking policies in issuing credit. This research utilized 332 samples of credit clients in rural bank …

between banks and shadow banks based on their funding constraints. Because credit creation by banks responds to economy … credit responses. The propagation of real and financial shocks is likewise altered when shadow banks are identified as a …

screening is costly to banks and underprovision of credit results from the inability of banks to appropriate the full benefits … alleviate this inefficiency, since it originates in a failure in the private provision of credit. Lending to commercial banks at … subsidized rates or providing credit guarantees, targeting the firms that generate high added value, are valid policy …

This paper investigates the extent to which the structure of the local credit market, in terms of the presence and … online marketplaces benefit borrowers through improving their credit scores …