play a beneficial role in the presence of private credit market frictions, especially when financial constraints are severe …

provides evidence in support of this argument in the mortgage market for low-income borrowers whose access to credit is limited … by their inadequate credit histories. Mortgage originations increase and interest spreads decline when there is a bank …

We study the effects on credit allocation and bank stability of introducing a leverage ratio requirement (LRR) on top …

. Similarly access to bank credit and the size of loans received from banks were also higher in these countries than Ghana. The … Association of Ghana Industries identified bank credit and lending rates as main challenges its members faced to expand their … operations. Ghana and its peer countries allowed banks to determine their lending rates to improve upon availability of credit …

local credit supply. In urban markets, within-state deregulation of branching resulted in an 80% decrease in the effect of … bank deregulation played an important role in insuring small businesses against local shocks to credit supply …

parameters affect bank credit supply …

The literature has documented a positive relationship between the use of credit scoring for small business loans and … small business credit availability, broadly defined. However, this literature is hampered by the fact that all of the … deficiencies in the extant literature by employing data from a new survey on the use of credit scoring in small business lending …