subject:( Interest rates)

University of Nairobi

1. Omolo, Sylvia A. The link between rates and interest rates .

Degree: 2012, University of Nairobi

URL: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/11979

► In recent years, there has been a special interest in the link between exchange rates and interest rates in both advanced and developing countries. This… (more)

Subjects/Keywords: Exchange rates; Interest rates

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APA (6^th Edition):

Omolo, S. A. (2012). The link between rates and interest rates . (Thesis). University of Nairobi. Retrieved from http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/11979

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Omolo, Sylvia A. “The link between rates and interest rates .” 2012. Thesis, University of Nairobi. Accessed April 12, 2021. http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/11979.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Omolo, Sylvia A. “The link between rates and interest rates .” 2012. Web. 12 Apr 2021.

Vancouver:

Omolo SA. The link between rates and interest rates . [Internet] [Thesis]. University of Nairobi; 2012. [cited 2021 Apr 12]. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/11979.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Omolo SA. The link between rates and interest rates . [Thesis]. University of Nairobi; 2012. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/11979

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Zambia

2. Banda, Charles Masili. The Determinants of Banking Sector Interest Rates Spreads in Zambia .

Degree: 2012, University of Zambia

URL: http://hdl.handle.net/123456789/1024

► Financial intermediation is essential for economic development. The consensus is that Zambia needs a stable and efficient banking system in order to finance both private… (more)

▼ Financial intermediation is essential for economic development. The consensus is that Zambia needs a stable and efficient banking system in order to finance both private and public investment and expenditures. The effectiveness of the banking system in channelling funds from surplus to deficit actors is often gauged by examining the spread between lending and deposit rates and by assessing the degree of operational efficiency of the banking industry. Although Zambia has made some progress since the deregulation of its banking system, interest rate spreads remain absolutely high. When the spread between lending and deposit interest rates is too large, it is generally regarded as a considerable impediment to the expansion and development of financial intermediation, as it discourages potential savers with low returns on deposits and limits financing for potential borrowers, thus reducing feasible investment opportunities and therefore the growth potential of the economy. However, Zambia’s experience indicates a widening spread in the post-liberalization period. This research will therefore contribute to fill the knowledge gap by examining why interest rate spreads are still persistently high in Zambia despite successful financial reforms. The aim of this study has been to investigate the levels and trends in interest rate spreads, to document the key macroeconomic and market determinants of interest rate spreads and to provide policy options that would help to narrow the interest rate spreads so as to enhance the efficiency of the Banking Sector and hence economic growth and development of Zambia. In particular, the study investigates the effects of inflation, exchange rate volatility, reserve requirements and discount rates on interest rate spreads. The study uses Ordinary Least Squares to estimate the Log-Linear regression model to explain the main determinants of interest rate spreads in Zambia. Quarterly time series data is used from 1995 to 2008 and it was collected from the Bank of Zambia. The Dickey- Fuller and Augmented Dickey- Fuller Tests were performed to determine if the variables were stationary and to determine their order of integration. To avoid spurious results, a cointegration analysis using the Johansen Maximum Likelihood ratio test was done to determine whether the variables are cointegrating. The log- linear empirical model was estimated by Ordinary Least Squares using EViews econometric Package. To ensure that the model was adequate and that consistent and unbiased parameter estimates were obtained, various diagnostic tests were conducted. The study checked and corrected for violations of the standard assumptions of the regression analysis. The Ramsey RESET test was also conducted to ensure that model was correctly specified. The study found exchange rate volatility and inflation rate to be statistically insignificant. Hence the government should not use them in an attempt to influence interest rate spreads as such policies are bound to fail. However, the study found the lag of the interest…

Subjects/Keywords: Bank-Interest Rates

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APA (6^th Edition):

Banda, C. M. (2012). The Determinants of Banking Sector Interest Rates Spreads in Zambia . (Thesis). University of Zambia. Retrieved from http://hdl.handle.net/123456789/1024

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Banda, Charles Masili. “The Determinants of Banking Sector Interest Rates Spreads in Zambia .” 2012. Thesis, University of Zambia. Accessed April 12, 2021. http://hdl.handle.net/123456789/1024.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Banda, Charles Masili. “The Determinants of Banking Sector Interest Rates Spreads in Zambia .” 2012. Web. 12 Apr 2021.

Vancouver:

Banda CM. The Determinants of Banking Sector Interest Rates Spreads in Zambia . [Internet] [Thesis]. University of Zambia; 2012. [cited 2021 Apr 12]. Available from: http://hdl.handle.net/123456789/1024.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Banda CM. The Determinants of Banking Sector Interest Rates Spreads in Zambia . [Thesis]. University of Zambia; 2012. Available from: http://hdl.handle.net/123456789/1024

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Nairobi

3. George, Jonah O. The effect of lending interest rates on the financial performance of savings and credit cooperative socities in Kenya .

Degree: 2012, University of Nairobi

URL: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12842

► The SACCO subsector is part of the massive Kenyan co-operative movement comprising of both financial and non-financial cooperatives. SACCOs have played an important role in… (more)

▼ The SACCO subsector is part of the massive Kenyan co-operative movement comprising of both financial and non-financial cooperatives. SACCOs have played an important role in the development of the Kenyan economy which has led to the uplifting of the standards of living for the people. Through their SACCOs members are able to access quality education and medicare, funds for enterprise development, home purchase or construction and many other financial benefits through loans at reduced lending rates. The critical role of SACCOs in the country‟s economy at large has been recognized under vision 2030 for mobilization of savings and investments. Due to the rapid growth, the government committed itself to establish SACCO legislation, implement international financial performance standards and supervising SACCOs aimed at providing incentives for improvement of SACCO management and performance. In light of this, the study sought to establish the effect of the lending interest rates on the financial performance of SACCOs in Kenya. The study used a causal research design which relied on control factors. The study used secondary sources of data from published audited annual reports of accounts for the selected SACCOs. The performance of the SACCOs was analyzed using the net interest income, the net operating income and the return on equity. The SACCO performance for five years was compared against the annual average commercial lending rates as set by the Central Bank of Kenya. Data collected was presented using tables and figures and graphs. The data was analysed in Microsoft Excel 2007 version. The study confirmed that the financial performance of SACCOs is not affected by the changes in the commercial lending interest rates as set by the Central Bank. This is because the realized Net Interest Income (NII), Net Operating Income (NOI as well as Return on Equity (ROI) for the sampled SACCOS did not increase or decrease with an increase or decrease of the lending interest rates.

Subjects/Keywords: Lending interest rates

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APA (6^th Edition):

George, J. O. (2012). The effect of lending interest rates on the financial performance of savings and credit cooperative socities in Kenya . (Thesis). University of Nairobi. Retrieved from http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12842

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

George, Jonah O. “The effect of lending interest rates on the financial performance of savings and credit cooperative socities in Kenya .” 2012. Thesis, University of Nairobi. Accessed April 12, 2021. http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12842.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

George, Jonah O. “The effect of lending interest rates on the financial performance of savings and credit cooperative socities in Kenya .” 2012. Web. 12 Apr 2021.

Vancouver:

George JO. The effect of lending interest rates on the financial performance of savings and credit cooperative socities in Kenya . [Internet] [Thesis]. University of Nairobi; 2012. [cited 2021 Apr 12]. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12842.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

George JO. The effect of lending interest rates on the financial performance of savings and credit cooperative socities in Kenya . [Thesis]. University of Nairobi; 2012. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12842

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Nairobi

4. Kiruga, Abraham M. The relationship between foreign exchange rates and interest rates in Kenya .

Degree: 2015, University of Nairobi

URL: http://hdl.handle.net/11295/94669

► The study sought to understand the relationship of Foreign Exchange Rates on Interest rates in Kenya. The descriptive research design was used. It was a… (more)

Subjects/Keywords: Foreign exchange rates and interest rates

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APA (6^th Edition):

Kiruga, A. M. (2015). The relationship between foreign exchange rates and interest rates in Kenya . (Thesis). University of Nairobi. Retrieved from http://hdl.handle.net/11295/94669

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Kiruga, Abraham M. “The relationship between foreign exchange rates and interest rates in Kenya .” 2015. Thesis, University of Nairobi. Accessed April 12, 2021. http://hdl.handle.net/11295/94669.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Kiruga, Abraham M. “The relationship between foreign exchange rates and interest rates in Kenya .” 2015. Web. 12 Apr 2021.

Vancouver:

Kiruga AM. The relationship between foreign exchange rates and interest rates in Kenya . [Internet] [Thesis]. University of Nairobi; 2015. [cited 2021 Apr 12]. Available from: http://hdl.handle.net/11295/94669.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Kiruga AM. The relationship between foreign exchange rates and interest rates in Kenya . [Thesis]. University of Nairobi; 2015. Available from: http://hdl.handle.net/11295/94669

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Tasmania

5. Grey, William Norton. The term structure of Australian interest rates, 1984-1995.

Degree: 1997, University of Tasmania

URL: https://eprints.utas.edu.au/20003/1/whole_GreyWilliamNorton1998_thesis.pdf

Subjects/Keywords: Interest rates

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APA (6^th Edition):

Grey, W. N. (1997). The term structure of Australian interest rates, 1984-1995. (Thesis). University of Tasmania. Retrieved from https://eprints.utas.edu.au/20003/1/whole_GreyWilliamNorton1998_thesis.pdf

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Grey, William Norton. “The term structure of Australian interest rates, 1984-1995.” 1997. Thesis, University of Tasmania. Accessed April 12, 2021. https://eprints.utas.edu.au/20003/1/whole_GreyWilliamNorton1998_thesis.pdf.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Grey, William Norton. “The term structure of Australian interest rates, 1984-1995.” 1997. Web. 12 Apr 2021.

Vancouver:

Grey WN. The term structure of Australian interest rates, 1984-1995. [Internet] [Thesis]. University of Tasmania; 1997. [cited 2021 Apr 12]. Available from: https://eprints.utas.edu.au/20003/1/whole_GreyWilliamNorton1998_thesis.pdf.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Grey WN. The term structure of Australian interest rates, 1984-1995. [Thesis]. University of Tasmania; 1997. Available from: https://eprints.utas.edu.au/20003/1/whole_GreyWilliamNorton1998_thesis.pdf

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Johannesburg

6. Van Appel, Jacques. Estimating short rate models with application to bonds and bond options.

Degree: 2014, University of Johannesburg

URL: http://hdl.handle.net/10210/8785

►

M.Sc. (Mathematical Statistics)

In this dissertation we investigate the South-African interest rate market by analyzing the Johannesburg Interbank Agreed rate (JIBAR) and the South-African three-month… (more)

Subjects/Keywords: Interest rates - South Africa - Statistics

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APA (6^th Edition):

Van Appel, J. (2014). Estimating short rate models with application to bonds and bond options. (Thesis). University of Johannesburg. Retrieved from http://hdl.handle.net/10210/8785

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Van Appel, Jacques. “Estimating short rate models with application to bonds and bond options.” 2014. Thesis, University of Johannesburg. Accessed April 12, 2021. http://hdl.handle.net/10210/8785.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Van Appel, Jacques. “Estimating short rate models with application to bonds and bond options.” 2014. Web. 12 Apr 2021.

Vancouver:

Van Appel J. Estimating short rate models with application to bonds and bond options. [Internet] [Thesis]. University of Johannesburg; 2014. [cited 2021 Apr 12]. Available from: http://hdl.handle.net/10210/8785.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Van Appel J. Estimating short rate models with application to bonds and bond options. [Thesis]. University of Johannesburg; 2014. Available from: http://hdl.handle.net/10210/8785

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Nairobi

7. Manani, Josphat K. An assessment of alternative models of interest rate volatility in the Bond Market in Kenya .

Degree: 2012, University of Nairobi

URL: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12466

► This research project focuses on estimating volatility in interest rates in the bond market in Kenya. It assesses the linear and non linear models of… (more)

Subjects/Keywords: Interest rates; Bond market; Volatility

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APA (6^th Edition):

Manani, J. K. (2012). An assessment of alternative models of interest rate volatility in the Bond Market in Kenya . (Thesis). University of Nairobi. Retrieved from http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12466

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Manani, Josphat K. “An assessment of alternative models of interest rate volatility in the Bond Market in Kenya .” 2012. Thesis, University of Nairobi. Accessed April 12, 2021. http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12466.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Manani, Josphat K. “An assessment of alternative models of interest rate volatility in the Bond Market in Kenya .” 2012. Web. 12 Apr 2021.

Vancouver:

Manani JK. An assessment of alternative models of interest rate volatility in the Bond Market in Kenya . [Internet] [Thesis]. University of Nairobi; 2012. [cited 2021 Apr 12]. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12466.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Manani JK. An assessment of alternative models of interest rate volatility in the Bond Market in Kenya . [Thesis]. University of Nairobi; 2012. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12466

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Nairobi

8. Mukungu, Ashe. Interest rate spread in Uganda - An empirical investigation .

Degree: 2001, University of Nairobi

URL: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/17158

► Interest rate spread is one of the measures of financial sector efficiency. With an end to financial repression on the one hand and interest rate… (more)

Subjects/Keywords: Interest rates

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APA (6^th Edition):

Mukungu, A. (2001). Interest rate spread in Uganda - An empirical investigation . (Thesis). University of Nairobi. Retrieved from http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/17158

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Mukungu, Ashe. “Interest rate spread in Uganda - An empirical investigation .” 2001. Thesis, University of Nairobi. Accessed April 12, 2021. http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/17158.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Mukungu, Ashe. “Interest rate spread in Uganda - An empirical investigation .” 2001. Web. 12 Apr 2021.

Vancouver:

Mukungu A. Interest rate spread in Uganda - An empirical investigation . [Internet] [Thesis]. University of Nairobi; 2001. [cited 2021 Apr 12]. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/17158.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Mukungu A. Interest rate spread in Uganda - An empirical investigation . [Thesis]. University of Nairobi; 2001. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/17158

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Nairobi

9. Kibet, Tom H. A survey of the application of term structure of interest rate by commercial banks in Kenya .

Degree: 2012, University of Nairobi

URL: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/13551

► Interest rates charged by commercial banks in Kenya are highly unpredictable and volatile. These has elicited sharp reactions most of which is need to place… (more)

Subjects/Keywords: Term structure; Interest rates

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APA (6^th Edition):

Kibet, T. H. (2012). A survey of the application of term structure of interest rate by commercial banks in Kenya . (Thesis). University of Nairobi. Retrieved from http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/13551

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Kibet, Tom H. “A survey of the application of term structure of interest rate by commercial banks in Kenya .” 2012. Thesis, University of Nairobi. Accessed April 12, 2021. http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/13551.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Kibet, Tom H. “A survey of the application of term structure of interest rate by commercial banks in Kenya .” 2012. Web. 12 Apr 2021.

Vancouver:

Kibet TH. A survey of the application of term structure of interest rate by commercial banks in Kenya . [Internet] [Thesis]. University of Nairobi; 2012. [cited 2021 Apr 12]. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/13551.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Kibet TH. A survey of the application of term structure of interest rate by commercial banks in Kenya . [Thesis]. University of Nairobi; 2012. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/13551

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Nairobi

10. Mwangi, Anthony C. Effect of interest rates on non-performing loans in Commercial Banks In Kenya .

Degree: 2014, University of Nairobi

URL: http://hdl.handle.net/11295/95462

► Lending money is the main traditional function of commercial banks, and this aspect of banking remains to date. However, loan defaults among commercials banks remain… (more)

Subjects/Keywords: interest rates; loans KCBs; Kenya

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APA (6^th Edition):

Mwangi, A. C. (2014). Effect of interest rates on non-performing loans in Commercial Banks In Kenya . (Thesis). University of Nairobi. Retrieved from http://hdl.handle.net/11295/95462

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Mwangi, Anthony C. “Effect of interest rates on non-performing loans in Commercial Banks In Kenya .” 2014. Thesis, University of Nairobi. Accessed April 12, 2021. http://hdl.handle.net/11295/95462.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Mwangi, Anthony C. “Effect of interest rates on non-performing loans in Commercial Banks In Kenya .” 2014. Web. 12 Apr 2021.

Vancouver:

Mwangi AC. Effect of interest rates on non-performing loans in Commercial Banks In Kenya . [Internet] [Thesis]. University of Nairobi; 2014. [cited 2021 Apr 12]. Available from: http://hdl.handle.net/11295/95462.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Mwangi AC. Effect of interest rates on non-performing loans in Commercial Banks In Kenya . [Thesis]. University of Nairobi; 2014. Available from: http://hdl.handle.net/11295/95462

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Nairobi

11. Nyawach, Peter Ochieng. Competitiveness of interest rates charged by microfinanace institution in Migori county-Kenya .

Degree: 2011, University of Nairobi

URL: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12586

► Microfinance is touted as the solution to the wide spread poverty in most developing countries, however, some people have been wondering how MFIs can fulfill… (more)

Subjects/Keywords: Interest rates; Microfinance institution

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APA (6^th Edition):

Nyawach, P. O. (2011). Competitiveness of interest rates charged by microfinanace institution in Migori county-Kenya . (Thesis). University of Nairobi. Retrieved from http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12586

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Nyawach, Peter Ochieng. “Competitiveness of interest rates charged by microfinanace institution in Migori county-Kenya .” 2011. Thesis, University of Nairobi. Accessed April 12, 2021. http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12586.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Nyawach, Peter Ochieng. “Competitiveness of interest rates charged by microfinanace institution in Migori county-Kenya .” 2011. Web. 12 Apr 2021.

Vancouver:

Nyawach PO. Competitiveness of interest rates charged by microfinanace institution in Migori county-Kenya . [Internet] [Thesis]. University of Nairobi; 2011. [cited 2021 Apr 12]. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12586.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Nyawach PO. Competitiveness of interest rates charged by microfinanace institution in Migori county-Kenya . [Thesis]. University of Nairobi; 2011. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12586

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Nairobi

12. Waruiru, Joseph M. Determinants of interest rates in micro finance Institutions in Kenya .

Degree: 2012, University of Nairobi

URL: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/14213

► Microfinance institutions were established to assist the low income by providing credit. In their provision of credit to low earners they charge interest rate which… (more)

Subjects/Keywords: Interest rates in micro finance

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APA (6^th Edition):

Waruiru, J. M. (2012). Determinants of interest rates in micro finance Institutions in Kenya . (Thesis). University of Nairobi. Retrieved from http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/14213

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Waruiru, Joseph M. “Determinants of interest rates in micro finance Institutions in Kenya .” 2012. Thesis, University of Nairobi. Accessed April 12, 2021. http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/14213.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Waruiru, Joseph M. “Determinants of interest rates in micro finance Institutions in Kenya .” 2012. Web. 12 Apr 2021.

Vancouver:

Waruiru JM. Determinants of interest rates in micro finance Institutions in Kenya . [Internet] [Thesis]. University of Nairobi; 2012. [cited 2021 Apr 12]. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/14213.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Waruiru JM. Determinants of interest rates in micro finance Institutions in Kenya . [Thesis]. University of Nairobi; 2012. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/14213

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Nairobi

13. Ngigi, Maxwell K. Determinants of lending interest rates in deposit taking microfinance institutions in Kenya .

Degree: 2014, University of Nairobi

URL: http://hdl.handle.net/11295/75937

► The high interest rates charged by many deposit taking microfinance institutions have attracted the attention of policy makers throughout the world. The DTMFIs lending rate… (more)

▼ The high interest rates charged by many deposit taking microfinance institutions have attracted the attention of policy makers throughout the world. The DTMFIs lending rate is a key indicator of the marginal cost of short-term external funding in an economy and provides useful information about developments in the average cost of borrowing. This study investigates the determinants of lending interest rates in Deposit Taking Microfinance Institution in Kenya. This study used a descriptive survey. Descriptive research design was chosen because it enabled the researcher to establish a relation between variables. The population of this study consisted of all 12 Deposit Taking Microfinance Institutions in Kenya and therefore carried out a census survey. The study used both primary and secondary data sources in gathering data for analysis. The primary data was collected using semi-structured questionnaire which had had both open and close-ended questions and was administered through drop and pick to managers, financial managers and credit officers from the DTMFIs comprising 36 respondents. The pre test was conducted to enhance clarity of the questionnaires. The collected data was thoroughly examined, summarized and tabulated. Data was coded and entered into the Statistical Package for Social Sciences (SPSS 21) for analysis.The inferential statistic regression and correlation was done. Correlation analysis was used to establish the strength of association between market structure, cost of funds and economic conditions and the lending rates in DTMFIs. The correlation was statistically significant since it had a P-Value of 0.01, 0.03 and 0.02 which is less than 0.05 and a confidence level of 95%. A linear regression model of determinants of lending rate versus DTMFIs lending rates was applied. The study established that there existed a significant positive relationship between market structure, cost of funds and economic conditions and lending rates in DTMFIs. The study concluded that market conditions factors such as competition leading to interbank rate and credit risk premium due to various risks, interest risk, credit risk, foreign exchange risk and legal risk influence lending rate in DTMFIs. Costs factors such as taxes, transactions, cost of capital, statutory reserve requirement, management fees, staff costs and that weighted average deposit rate, reserve and liquidity requirements, mandatory investment influence the lending rates in DTMFIs. The study recommended that Deposit Taking MFIs should be keen of market factors such as competitions and risks, cost of fund such as salary of the staff and management fees and inflation due to economic changes in the country when determining lending rates as there existed a positive relationship between lending rate and factor determining lending rate for the Deposit Taking MFIs.

Subjects/Keywords: Lending interest rates; Microfinance institutions

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APA (6^th Edition):

Ngigi, M. K. (2014). Determinants of lending interest rates in deposit taking microfinance institutions in Kenya . (Thesis). University of Nairobi. Retrieved from http://hdl.handle.net/11295/75937

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Ngigi, Maxwell K. “Determinants of lending interest rates in deposit taking microfinance institutions in Kenya .” 2014. Thesis, University of Nairobi. Accessed April 12, 2021. http://hdl.handle.net/11295/75937.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Ngigi, Maxwell K. “Determinants of lending interest rates in deposit taking microfinance institutions in Kenya .” 2014. Web. 12 Apr 2021.

Vancouver:

Ngigi MK. Determinants of lending interest rates in deposit taking microfinance institutions in Kenya . [Internet] [Thesis]. University of Nairobi; 2014. [cited 2021 Apr 12]. Available from: http://hdl.handle.net/11295/75937.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Ngigi MK. Determinants of lending interest rates in deposit taking microfinance institutions in Kenya . [Thesis]. University of Nairobi; 2014. Available from: http://hdl.handle.net/11295/75937

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

14. Banda, Charles Masili. The determinants of banking sector interest rate spreads in Zambia.

Degree: 2011, University of Zimbabwe

URL: http://dspace.unza.zm/handle/123456789/301

► Financial intermediation is essential for economic development. The consensus is that Zambia needs a stable and efficient banking system in order to finance both private… (more)

▼ Financial intermediation is essential for economic development. The consensus is that Zambia needs a stable and efficient banking system in order to finance both private and public investment and expenditures. The effectiveness of the banking system in channelling funds from surplus to deficit actors is often gauged by examining the spread between lending and deposit rates and by assessing the degree of operational efficiency of the banking industry. Although Zambia has made some progress since the deregulation of its banking system, interest rate spreads remain absolutely high. When the spread between lending and deposit interest rates is too large, it is generally regarded as a considerable impediment to the expansion and development of financial intermediation, as it discourages potential savers with low returns on deposits and limits financing for potential borrowers, thus reducing feasible investment opportunities and therefore the growth potential of the economy. However, Zambia's experience indicates a widening spread in the post-liberalization period. This research will therefore contribute to fill the knowledge gap by examining why interest rate spreads are still persistently high in Zambia despite successful financial reforms. The aim of this study has been to investigate the levels and trends in interest rate spreads, to document the key macroeconomic and market determinants of interest rate spreads and to provide policy options that would help to narrow the interest rate spreads so as to enhance the efficiency of the Banking Sector and hence economic growth and development of Zambia. In particular, the study investigates the effects of inflation, exchange rate volatility, reserve requirements and discount rates on interest rate spreads. The study uses Ordinary Least Squares to estimate the Log-Linear regression model to explain the main determinants of interest rate spreads in Zambia. Quarterly time series data is used from 1995 to 2008 and it was collected from the Bank of Zambia. The Dickey- Fuller and Augmented Dickey- Fuller Tests were performed to determine if the variables were stationary and to determine their order of integration. To avoid spurious results, a cointegration analysis using the Johansen Maximum Likelihood ratio test was done to determine whether the variables are cointegrating. The loglinear empirical model was estimated by Ordinary Least Squares using EViews econometric Package. To ensure that the model was adequate and that consistent and unbiased parameter estimates were obtained, various diagnostic tests were conducted. The study checked and corrected for violations of the standard assumptions of the regression analysis. The Ramsey RESET test was also conducted to ensure that model was correctly specified. The study found exchange rate volatility and inflation rate to be statistically insignificant. Hence the government should not use them in an attempt to influence interest rate spreads as such policies are bound to fail. However, the study found the lag of the interest…

Subjects/Keywords: Bank-Interest Rates; Banking

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APA (6^th Edition):

Banda, C. M. (2011). The determinants of banking sector interest rate spreads in Zambia. (Thesis). University of Zimbabwe. Retrieved from http://dspace.unza.zm/handle/123456789/301

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Banda, Charles Masili. “The determinants of banking sector interest rate spreads in Zambia.” 2011. Thesis, University of Zimbabwe. Accessed April 12, 2021. http://dspace.unza.zm/handle/123456789/301.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Banda, Charles Masili. “The determinants of banking sector interest rate spreads in Zambia.” 2011. Web. 12 Apr 2021.

Vancouver:

Banda CM. The determinants of banking sector interest rate spreads in Zambia. [Internet] [Thesis]. University of Zimbabwe; 2011. [cited 2021 Apr 12]. Available from: http://dspace.unza.zm/handle/123456789/301.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Banda CM. The determinants of banking sector interest rate spreads in Zambia. [Thesis]. University of Zimbabwe; 2011. Available from: http://dspace.unza.zm/handle/123456789/301

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Boston College

15. Bekdache, Basma Z. Essays on the Term Structure of Interest Rates.

Degree: PhD, Economics, 1994, Boston College

URL: http://dlib.bc.edu/islandora/object/bc-ir:101527

► In the first essay, a multiprocess mixture model (MM) is used to explain the time variation in the relationship between forward rates and future spot… (more)

▼ In the first essay, a multiprocess mixture model (MM) is used to explain the time variation in the relationship between forward rates and future spot rates. I find considerable support for modeling the relationship between one-month spot rates and forward rates in a timevarying framework using data for the U.S. Treasury Bill market for the period 1959 to 1991. The posterior probabilities from the MM model confirm that the period between October 1979 to 1982 represents a change in policy regime for the U.S. Federal Reserve. More specifically, the probabilities show that a structural change took place in the slope of the relationship between spot and forward rates. This is in accord with the term premium becoming more variable with the level of interest rates. The term structure relationship is found to be stable in the period after 1982 when the Fed returned to partial interest rate targeting. Finally, I find that the predictive power of forward rates varies considerably over time and that this power decreases significantly in the periods identified with regime changes. In the second essay, I compare seven term structure estimation methods empirically in terms of zero and forward rate curves as well as price- and yield-prediction accuracy. A marked difference in the performance of the models between in- and out-of-sample predictions is documented. Particularly, models that generate relatively smooth yield and forward rate curves do not perform well in-sample but produce the best out-of-sample forecasts. The results support the conclusion from a previous study that modeling the forward rate function as a cubic spline with adaptive parameters produces the best overall results. The most interesting finding is that the Neslon-Siegel model estimated from Treasury Strips with only three parameters can price coupon bonds out-of-sample more accurately than more complicated estimation methods fitted to coupon bonds. Advisors/Committee Members: Christopher Baum (Thesis advisor).

Subjects/Keywords: Interest rates

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APA (6^th Edition):

Bekdache, B. Z. (1994). Essays on the Term Structure of Interest Rates. (Doctoral Dissertation). Boston College. Retrieved from http://dlib.bc.edu/islandora/object/bc-ir:101527

Chicago Manual of Style (16^th Edition):

Bekdache, Basma Z. “Essays on the Term Structure of Interest Rates.” 1994. Doctoral Dissertation, Boston College. Accessed April 12, 2021. http://dlib.bc.edu/islandora/object/bc-ir:101527.

MLA Handbook (7^th Edition):

Bekdache, Basma Z. “Essays on the Term Structure of Interest Rates.” 1994. Web. 12 Apr 2021.

Vancouver:

Bekdache BZ. Essays on the Term Structure of Interest Rates. [Internet] [Doctoral dissertation]. Boston College; 1994. [cited 2021 Apr 12]. Available from: http://dlib.bc.edu/islandora/object/bc-ir:101527.

Council of Science Editors:

Bekdache BZ. Essays on the Term Structure of Interest Rates. [Doctoral Dissertation]. Boston College; 1994. Available from: http://dlib.bc.edu/islandora/object/bc-ir:101527

Michigan State University

16. Jacques, Kevin Thomas. Conditional variance approach to the time-series behavior of interest rates.

Degree: PhD, Department of Economics, 1990, Michigan State University

URL: http://etd.lib.msu.edu/islandora/object/etd:20753

Subjects/Keywords: Interest rates

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APA (6^th Edition):

Jacques, K. T. (1990). Conditional variance approach to the time-series behavior of interest rates. (Doctoral Dissertation). Michigan State University. Retrieved from http://etd.lib.msu.edu/islandora/object/etd:20753

Chicago Manual of Style (16^th Edition):

Jacques, Kevin Thomas. “Conditional variance approach to the time-series behavior of interest rates.” 1990. Doctoral Dissertation, Michigan State University. Accessed April 12, 2021. http://etd.lib.msu.edu/islandora/object/etd:20753.

MLA Handbook (7^th Edition):

Jacques, Kevin Thomas. “Conditional variance approach to the time-series behavior of interest rates.” 1990. Web. 12 Apr 2021.

Vancouver:

Jacques KT. Conditional variance approach to the time-series behavior of interest rates. [Internet] [Doctoral dissertation]. Michigan State University; 1990. [cited 2021 Apr 12]. Available from: http://etd.lib.msu.edu/islandora/object/etd:20753.

Council of Science Editors:

Jacques KT. Conditional variance approach to the time-series behavior of interest rates. [Doctoral Dissertation]. Michigan State University; 1990. Available from: http://etd.lib.msu.edu/islandora/object/etd:20753

University of Notre Dame

17. Sebastiaan Roelands. The Role of Banking in the Transmission of Monetary Policy</h1>.

Degree: Economics, 2013, University of Notre Dame

URL: https://curate.nd.edu/show/79407w64d66

► This dissertation examines how regulatory requirements cause banks to reduce pass-through of expansionary monetary policy into the interest rates on bank loans. The first… (more)

▼ This dissertation examines how regulatory requirements cause banks to reduce pass-through of expansionary monetary policy into the interest rates on bank loans. The first chapter investigates the market structure of the banking sector in the United States. Since 2001, the largest 500 commercial banks (out of over 7,400) have increased their market shares in the markets for bank assets and bank loans from roughly 50% to well over 90%. Using the Panzar and Rosse (1987) H-statistic, the U.S. banking sector is found to be monopolistically competitive. As such, banks appear to have market power in setting interest rates. Chapter 2, adapted from joint work with Thomas Cosimano and Dalia Hakura, examines whether bank capital plays a role in decision-making by bank holding companies (BHCs). BHCs optimally choose the amount of capital relative to the regulatory requirement. The finding that higher target capital-to-asset ratios cause BHCs to raise loan rates rejects the Modigliani-Miller Theorem that debt versus equity financing should not be a factor in corporate decision-making. Furthermore, higher loan rates result in lower amounts of lending. As a result, raising the capital requirements on BHCs is likely to lead to higher loan rates, and a reduction in lending. The final chapter examines why bank loan rates tend to adjust well when the monetary policy rate rises, but not when the policy rate falls. A dynamic banking model shows that this asymmetry in interest rate pass-through can be explained by the presence of regulatory requirements imposed on banks. If the regulatory constraint is binding, banks will raise loan rates relative to the monetary policy rate. When the central bank lowers its policy rate, the critical value at which the constraint becomes binding is lowered. This makes it more likely that banks become constrained, and hence reduce pass-through. Empirical evidence corroborates the model predictions that (i) more banks are capital constrained during falling than rising rate periods; (ii) constrained banks adjust loan rates less relative to the federal funds rate, and (iii) the loan rates of constrained banks are more sensitive to demand side fluctuations, compared to unconstrained banks. Advisors/Committee Members: Eric R. Sims, Committee Member, Nelson C. Mark, Committee Member, Thomas F. Cosimano, Committee Chair.

Subjects/Keywords: monetary policy; interest rates; banking

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APA (6^th Edition):

Roelands, S. (2013). The Role of Banking in the Transmission of Monetary Policy</h1>. (Thesis). University of Notre Dame. Retrieved from https://curate.nd.edu/show/79407w64d66

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Roelands, Sebastiaan. “The Role of Banking in the Transmission of Monetary Policy</h1>.” 2013. Thesis, University of Notre Dame. Accessed April 12, 2021. https://curate.nd.edu/show/79407w64d66.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Roelands, Sebastiaan. “The Role of Banking in the Transmission of Monetary Policy</h1>.” 2013. Web. 12 Apr 2021.

Vancouver:

Roelands S. The Role of Banking in the Transmission of Monetary Policy</h1>. [Internet] [Thesis]. University of Notre Dame; 2013. [cited 2021 Apr 12]. Available from: https://curate.nd.edu/show/79407w64d66.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Roelands S. The Role of Banking in the Transmission of Monetary Policy</h1>. [Thesis]. University of Notre Dame; 2013. Available from: https://curate.nd.edu/show/79407w64d66

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

California State Polytechnic University – Pomona

18. Wiharjo, Daniel. An Empirical Study of Exchange Rate in Selected Asian Countries Predicted from Interest Rate and Inflation Using Regression Models.

Degree: M.B.A., College of Business Administration, 1998, California State Polytechnic University – Pomona

URL: http://hdl.handle.net/10211.3/206542

► Both the interest rates and inflation have always been the fundamental factors that affect the future movement of exchange rate. Thus, to be able to… (more)

Subjects/Keywords: interest rates

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APA (6^th Edition):

Wiharjo, D. (1998). An Empirical Study of Exchange Rate in Selected Asian Countries Predicted from Interest Rate and Inflation Using Regression Models. (Masters Thesis). California State Polytechnic University – Pomona. Retrieved from http://hdl.handle.net/10211.3/206542

Chicago Manual of Style (16^th Edition):

Wiharjo, Daniel. “An Empirical Study of Exchange Rate in Selected Asian Countries Predicted from Interest Rate and Inflation Using Regression Models.” 1998. Masters Thesis, California State Polytechnic University – Pomona. Accessed April 12, 2021. http://hdl.handle.net/10211.3/206542.

MLA Handbook (7^th Edition):

Wiharjo, Daniel. “An Empirical Study of Exchange Rate in Selected Asian Countries Predicted from Interest Rate and Inflation Using Regression Models.” 1998. Web. 12 Apr 2021.

Vancouver:

Wiharjo D. An Empirical Study of Exchange Rate in Selected Asian Countries Predicted from Interest Rate and Inflation Using Regression Models. [Internet] [Masters thesis]. California State Polytechnic University – Pomona; 1998. [cited 2021 Apr 12]. Available from: http://hdl.handle.net/10211.3/206542.

Council of Science Editors:

Wiharjo D. An Empirical Study of Exchange Rate in Selected Asian Countries Predicted from Interest Rate and Inflation Using Regression Models. [Masters Thesis]. California State Polytechnic University – Pomona; 1998. Available from: http://hdl.handle.net/10211.3/206542

Massey University

19. Couchman, Jeremy. Long memory properties of international ex post and ex ante real interest rates : Asian, Pacific and European countries : a research thesis submitted in fulfilment of the requirements for the degree of Master of Applied Economics at Massey University, Department of Applied and International Economics, College of Business, Massey University, New Zealand .

Degree: 2003, Massey University

URL: http://hdl.handle.net/10179/12835

► According to the Fisher equation efficient capital markets should compensate for changes in the purchasing power of money. This implies that in the long-run, the… (more)

▼ According to the Fisher equation efficient capital markets should compensate for changes in the purchasing power of money. This implies that in the long-run, the nominal interest rate and expected inflation should move together one-for-one. However, because expected inflation is unobservable, testing the Fisher relationship is problematic and an appropriate proxy for expected inflation must be employed. Empirical results in the literature of the Fisher relationship have produced mixed findings concerning the validity of this relationship. Many recent studies have focused on the stationarity of the ex ante real rate in determining the acceptability of the long-run Fisher relationship. For the long-run Fisher effect to hold the ex ante real interest rate should display mean-reversion. Mean-reversion is characterised by the tendency of a time series to return to its mean after a shock. Most studies that have examined the stationarity of the ex ante real rate have concentrated on testing for restrictive integer orders of integration. This is restrictive because mean-reversion is confined to the covariance stationary I(0) process. However, an I(0) process is not the only process that displays mean-reversion. Fractional orders of integration can characterise a wider form of mean-reversion. Many studies that observe the order of integration of the real interest rate use actual or realised inflation for expected inflation in order to generate the ex post real rate, which differs from the ex ante real rate only by a stationary forecast error. These studies have then used the ex post real rate to infer the dynamic behaviour of the ex ante real rate. However, because the difference between the ex post and ex ante real rates is unexpected, the large volatility of the forecast error can mask the more persistent behaviour of the ex ante real rate. The additional volatility is inherited by the ex post real rate and therefore estimates of the order of integration are biased downwards. In this research the order of integration is estimated for real interest rates of nineteen European, Asian and Pacific countries. Two different econometric techniques are used in order to generate proxies for expected inflation, and it is found that these proxies exhibit a more persistent dynamic when compared to actual inflation. Employing an autoregressive fractionally integrated moving average (ARFIMA) model, the order of integration is estimated by using a maximum likelihood (ML) estimation technique. This estimation technique is applied to the two estimated ex ante real rates as well as the ex post real rate for each country studied. The empirical results show that estimated orders of integration display a distinct pattern. That is, the ex post real rate is found to be significantly less persistent when compared to either of the ex ante real rates estimated in this study. This is due to the additional volatility that is inherited within the ex post real rate of interest. The Fisher relationship has also been extended to international capital and…

Subjects/Keywords: Interest rates

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APA (6^th Edition):

Couchman, J. (2003). Long memory properties of international ex post and ex ante real interest rates : Asian, Pacific and European countries : a research thesis submitted in fulfilment of the requirements for the degree of Master of Applied Economics at Massey University, Department of Applied and International Economics, College of Business, Massey University, New Zealand . (Thesis). Massey University. Retrieved from http://hdl.handle.net/10179/12835

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Couchman, Jeremy. “Long memory properties of international ex post and ex ante real interest rates : Asian, Pacific and European countries : a research thesis submitted in fulfilment of the requirements for the degree of Master of Applied Economics at Massey University, Department of Applied and International Economics, College of Business, Massey University, New Zealand .” 2003. Thesis, Massey University. Accessed April 12, 2021. http://hdl.handle.net/10179/12835.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Couchman, Jeremy. “Long memory properties of international ex post and ex ante real interest rates : Asian, Pacific and European countries : a research thesis submitted in fulfilment of the requirements for the degree of Master of Applied Economics at Massey University, Department of Applied and International Economics, College of Business, Massey University, New Zealand .” 2003. Web. 12 Apr 2021.

Vancouver:

Couchman J. Long memory properties of international ex post and ex ante real interest rates : Asian, Pacific and European countries : a research thesis submitted in fulfilment of the requirements for the degree of Master of Applied Economics at Massey University, Department of Applied and International Economics, College of Business, Massey University, New Zealand . [Internet] [Thesis]. Massey University; 2003. [cited 2021 Apr 12]. Available from: http://hdl.handle.net/10179/12835.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Couchman J. Long memory properties of international ex post and ex ante real interest rates : Asian, Pacific and European countries : a research thesis submitted in fulfilment of the requirements for the degree of Master of Applied Economics at Massey University, Department of Applied and International Economics, College of Business, Massey University, New Zealand . [Thesis]. Massey University; 2003. Available from: http://hdl.handle.net/10179/12835

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

20. Reghezza, Alessio. Exploring the unexplored : an assessment of the implications of low and negative interest rates for the banking sector.

Degree: PhD, 2020, Bangor University

URL: https://research.bangor.ac.uk/portal/en/theses/exploring-the-unexplored-an-assessment-of-the-implications-of-low-and-negative-interest-rates-for-the-banking-sector(17b4e770-d8c1-48f0-ad46-c2a3ee3eee43).html ; https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.823971

► The aim of this doctoral thesis is to study whether protracted periods of low and negative interest rates have unintended effects on the banking sector.… (more)

Subjects/Keywords: negative interest rates; empirical banking

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APA (6^th Edition):

Reghezza, A. (2020). Exploring the unexplored : an assessment of the implications of low and negative interest rates for the banking sector. (Doctoral Dissertation). Bangor University. Retrieved from https://research.bangor.ac.uk/portal/en/theses/exploring-the-unexplored-an-assessment-of-the-implications-of-low-and-negative-interest-rates-for-the-banking-sector(17b4e770-d8c1-48f0-ad46-c2a3ee3eee43).html ; https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.823971

Chicago Manual of Style (16^th Edition):

Reghezza, Alessio. “Exploring the unexplored : an assessment of the implications of low and negative interest rates for the banking sector.” 2020. Doctoral Dissertation, Bangor University. Accessed April 12, 2021. https://research.bangor.ac.uk/portal/en/theses/exploring-the-unexplored-an-assessment-of-the-implications-of-low-and-negative-interest-rates-for-the-banking-sector(17b4e770-d8c1-48f0-ad46-c2a3ee3eee43).html ; https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.823971.

MLA Handbook (7^th Edition):

Reghezza, Alessio. “Exploring the unexplored : an assessment of the implications of low and negative interest rates for the banking sector.” 2020. Web. 12 Apr 2021.

Vancouver:

Reghezza A. Exploring the unexplored : an assessment of the implications of low and negative interest rates for the banking sector. [Internet] [Doctoral dissertation]. Bangor University; 2020. [cited 2021 Apr 12]. Available from: https://research.bangor.ac.uk/portal/en/theses/exploring-the-unexplored-an-assessment-of-the-implications-of-low-and-negative-interest-rates-for-the-banking-sector(17b4e770-d8c1-48f0-ad46-c2a3ee3eee43).html ; https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.823971.

Council of Science Editors:

Reghezza A. Exploring the unexplored : an assessment of the implications of low and negative interest rates for the banking sector. [Doctoral Dissertation]. Bangor University; 2020. Available from: https://research.bangor.ac.uk/portal/en/theses/exploring-the-unexplored-an-assessment-of-the-implications-of-low-and-negative-interest-rates-for-the-banking-sector(17b4e770-d8c1-48f0-ad46-c2a3ee3eee43).html ; https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.823971

University of Johannesburg

21. Thaba, Lethabo Jane. Modelling the short term interest with stochastic differential equation in continuous time: linear versus non-linear mode.

Degree: 2014, University of Johannesburg

URL: http://hdl.handle.net/10210/11137

►

M.Com. (Financial Economics)

Recently, there has been a growth in the bond market. This growth has brought with it an ever-increasing volume and range of… (more)

Subjects/Keywords: Interest rates - South Africa; Interest rates - Mathematical models

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APA (6^th Edition):

Thaba, L. J. (2014). Modelling the short term interest with stochastic differential equation in continuous time: linear versus non-linear mode. (Thesis). University of Johannesburg. Retrieved from http://hdl.handle.net/10210/11137

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Thaba, Lethabo Jane. “Modelling the short term interest with stochastic differential equation in continuous time: linear versus non-linear mode.” 2014. Thesis, University of Johannesburg. Accessed April 12, 2021. http://hdl.handle.net/10210/11137.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Thaba, Lethabo Jane. “Modelling the short term interest with stochastic differential equation in continuous time: linear versus non-linear mode.” 2014. Web. 12 Apr 2021.

Vancouver:

Thaba LJ. Modelling the short term interest with stochastic differential equation in continuous time: linear versus non-linear mode. [Internet] [Thesis]. University of Johannesburg; 2014. [cited 2021 Apr 12]. Available from: http://hdl.handle.net/10210/11137.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Thaba LJ. Modelling the short term interest with stochastic differential equation in continuous time: linear versus non-linear mode. [Thesis]. University of Johannesburg; 2014. Available from: http://hdl.handle.net/10210/11137

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Nairobi

22. Thuo, Allan Ndung'u. The effects of interest rates volatility on stock returns: evidence from the Nairobi securities exchange .

Degree: 2012, University of Nairobi

URL: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12392

► The purpose of this study is to analyze the effects of interest rates volatility on stock returns in the Nairobi Securities Exchange. A descriptive design… (more)

Subjects/Keywords: Nairobi Securities Exchange; interest rates; Kenya

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APA (6^th Edition):

Thuo, A. N. (2012). The effects of interest rates volatility on stock returns: evidence from the Nairobi securities exchange . (Thesis). University of Nairobi. Retrieved from http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12392

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Thuo, Allan Ndung'u. “The effects of interest rates volatility on stock returns: evidence from the Nairobi securities exchange .” 2012. Thesis, University of Nairobi. Accessed April 12, 2021. http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12392.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Thuo, Allan Ndung'u. “The effects of interest rates volatility on stock returns: evidence from the Nairobi securities exchange .” 2012. Web. 12 Apr 2021.

Vancouver:

Thuo AN. The effects of interest rates volatility on stock returns: evidence from the Nairobi securities exchange . [Internet] [Thesis]. University of Nairobi; 2012. [cited 2021 Apr 12]. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12392.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Thuo AN. The effects of interest rates volatility on stock returns: evidence from the Nairobi securities exchange . [Thesis]. University of Nairobi; 2012. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12392

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Nairobi

23. Muguchia, Lilian. Effect of flexible interest rates on the growth of mortgage financing in Kenya .

Degree: 2012, University of Nairobi

URL: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12541

► This paper attempts to find out the effect of flexible interest rates on the growth of mortgage financing in Kenya during the financial period 2007… (more)

▼ This paper attempts to find out the effect of flexible interest rates on the growth of mortgage financing in Kenya during the financial period 2007 – 2011 .The study found out that the flexible interest rates have a negative effect on mortgage financing in Kenya. This study is significant as it will seek to understand the competitive environment of the banks and other financial institutions in the country as they seek to offer affordable housing to Kenyans. Financial distress in the past has caused many banks to collapse in the past which has impacted negatively on the entire economy of the nation. Commercial Banks have therefore had to diversify their income sources from traditional intermediation income generating activities to non-intermediation income generating activities. The findings of this study conducted on 26 commercial banks in Kenya and the Housing Finance of Kenya relied on secondary data from annual reports of the banks. Regression analysis was mainly used to reveal that flexible interest rates charged by the financial institutions have a negative effect on mortgage financing. If banks charge a fixed rate of interest, it would be possible for investors to plan for a predictable amount of money to be repaid hence stability and increased level of borrowing. The regression analysis conducted established a negative and significant relationship between flexible interest rates and mortgage financing. The other independent variables had mixed effects on mortgage financing. Inflation, non performing loans, liquidity ratio had negative effects on mortgage financing while money supply, gross domestic product, customer deposits, bank capitalization and bank size had positive effect on mortgage financing. It is also evident from the study that without the diversification of income sources by commercial banks in Kenya most of them would have struggled with their objectives of maximizing shareholders wealth or eventually collapsed. It is also evident from the study that without flexible interest rates, banks would not be able to lend since this is also affected by the cost of borrowing from the customers through deposits.

Subjects/Keywords: flexible interest rates; growth; mortgage financing; kenya

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APA · Chicago · MLA · Vancouver · CSE | Export to Zotero / EndNote / Reference Manager

APA (6^th Edition):

Muguchia, L. (2012). Effect of flexible interest rates on the growth of mortgage financing in Kenya . (Thesis). University of Nairobi. Retrieved from http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12541

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Muguchia, Lilian. “Effect of flexible interest rates on the growth of mortgage financing in Kenya .” 2012. Thesis, University of Nairobi. Accessed April 12, 2021. http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12541.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Muguchia, Lilian. “Effect of flexible interest rates on the growth of mortgage financing in Kenya .” 2012. Web. 12 Apr 2021.

Vancouver:

Muguchia L. Effect of flexible interest rates on the growth of mortgage financing in Kenya . [Internet] [Thesis]. University of Nairobi; 2012. [cited 2021 Apr 12]. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12541.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Muguchia L. Effect of flexible interest rates on the growth of mortgage financing in Kenya . [Thesis]. University of Nairobi; 2012. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/12541

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Nairobi

24. Nyapara, Everlyne A. The relationship between interest rates and profitability of commercial banks in Kenya .

Degree: 2012, University of Nairobi

URL: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/13249

► Interest rates in the recent past have become a very sensitive factor in the operation of commercial banks. The central bank of Kenya has used… (more)

Subjects/Keywords: relationship; interest rates; profitability; commercial banks; kenya

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APA (6^th Edition):

Nyapara, E. A. (2012). The relationship between interest rates and profitability of commercial banks in Kenya . (Thesis). University of Nairobi. Retrieved from http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/13249

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Nyapara, Everlyne A. “The relationship between interest rates and profitability of commercial banks in Kenya .” 2012. Thesis, University of Nairobi. Accessed April 12, 2021. http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/13249.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Nyapara, Everlyne A. “The relationship between interest rates and profitability of commercial banks in Kenya .” 2012. Web. 12 Apr 2021.

Vancouver:

Nyapara EA. The relationship between interest rates and profitability of commercial banks in Kenya . [Internet] [Thesis]. University of Nairobi; 2012. [cited 2021 Apr 12]. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/13249.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Nyapara EA. The relationship between interest rates and profitability of commercial banks in Kenya . [Thesis]. University of Nairobi; 2012. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/13249

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

University of Nairobi

25. Ngumo, Lucy W. The effect of interest rates on the financial performance of firms offering mortgages in Kenya .

Degree: 2012, University of Nairobi

URL: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/13405

► Mortgage is a long-term commitment that ties a prospective homeowner down to mortgage repayment for at least 20 years or transfer of a legal or… (more)

Subjects/Keywords: Effect; Interest rates; Financial; Performance; Firms; Mortgages

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APA (6^th Edition):

Ngumo, L. W. (2012). The effect of interest rates on the financial performance of firms offering mortgages in Kenya . (Thesis). University of Nairobi. Retrieved from http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/13405

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Ngumo, Lucy W. “The effect of interest rates on the financial performance of firms offering mortgages in Kenya .” 2012. Thesis, University of Nairobi. Accessed April 12, 2021. http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/13405.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Ngumo, Lucy W. “The effect of interest rates on the financial performance of firms offering mortgages in Kenya .” 2012. Web. 12 Apr 2021.

Vancouver:

Ngumo LW. The effect of interest rates on the financial performance of firms offering mortgages in Kenya . [Internet] [Thesis]. University of Nairobi; 2012. [cited 2021 Apr 12]. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/13405.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Ngumo LW. The effect of interest rates on the financial performance of firms offering mortgages in Kenya . [Thesis]. University of Nairobi; 2012. Available from: http://erepository.uonbi.ac.ke:8080/xmlui/handle/123456789/13405

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

26. Pavek, Justin Edwin. The Impact Of Interest Rates Vs. Economic Growth On The Performance Of Commercial Banks - An Empirical Analysis Of Commercial Banks In The U.s.

Degree: MS, Economics & Finance, 2017, University of North Dakota

URL: https://commons.und.edu/theses/2135

► ABSTRACT As the Economy continues to recover from the ‘Great Recession’, the Fed is taking a very cautious approach to increasing interest rates; which… (more)

Subjects/Keywords: Bank Performance; Economic Activity; Interest Rates

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APA (6^th Edition):

Pavek, J. E. (2017). The Impact Of Interest Rates Vs. Economic Growth On The Performance Of Commercial Banks - An Empirical Analysis Of Commercial Banks In The U.s. (Masters Thesis). University of North Dakota. Retrieved from https://commons.und.edu/theses/2135

Chicago Manual of Style (16^th Edition):

Pavek, Justin Edwin. “The Impact Of Interest Rates Vs. Economic Growth On The Performance Of Commercial Banks - An Empirical Analysis Of Commercial Banks In The U.s.” 2017. Masters Thesis, University of North Dakota. Accessed April 12, 2021. https://commons.und.edu/theses/2135.

MLA Handbook (7^th Edition):

Pavek, Justin Edwin. “The Impact Of Interest Rates Vs. Economic Growth On The Performance Of Commercial Banks - An Empirical Analysis Of Commercial Banks In The U.s.” 2017. Web. 12 Apr 2021.

Vancouver:

Pavek JE. The Impact Of Interest Rates Vs. Economic Growth On The Performance Of Commercial Banks - An Empirical Analysis Of Commercial Banks In The U.s. [Internet] [Masters thesis]. University of North Dakota; 2017. [cited 2021 Apr 12]. Available from: https://commons.und.edu/theses/2135.

Council of Science Editors:

Pavek JE. The Impact Of Interest Rates Vs. Economic Growth On The Performance Of Commercial Banks - An Empirical Analysis Of Commercial Banks In The U.s. [Masters Thesis]. University of North Dakota; 2017. Available from: https://commons.und.edu/theses/2135

KTH

27. Getahun, Habtewold Demewez. ＴＨＥＥＦＦＥＣＴＯＦＩＮＴＥＲＥＳＴＲＡＴＥS ＯＮＨＯＵＳＩＮＧＰＲＩＣＥＳＩＮＳＷＥＤＥＮ : : The case of one and two dwelling buildings.

Degree: Building and Real Estate Economics, 2011, KTH

URL: http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-89826

► The aim of this paper is to study the effect of interest rates on house price changes in Sweden for the case of one… (more)

Subjects/Keywords: Interest rates; house price; house price determinants

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APA (6^th Edition):

Getahun, H. D. (2011). ＴＨＥＥＦＦＥＣＴＯＦＩＮＴＥＲＥＳＴＲＡＴＥS ＯＮＨＯＵＳＩＮＧＰＲＩＣＥＳＩＮＳＷＥＤＥＮ : : The case of one and two dwelling buildings. (Thesis). KTH. Retrieved from http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-89826

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Getahun, Habtewold Demewez. “ＴＨＥＥＦＦＥＣＴＯＦＩＮＴＥＲＥＳＴＲＡＴＥS ＯＮＨＯＵＳＩＮＧＰＲＩＣＥＳＩＮＳＷＥＤＥＮ : : The case of one and two dwelling buildings.” 2011. Thesis, KTH. Accessed April 12, 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-89826.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Getahun, Habtewold Demewez. “ＴＨＥＥＦＦＥＣＴＯＦＩＮＴＥＲＥＳＴＲＡＴＥS ＯＮＨＯＵＳＩＮＧＰＲＩＣＥＳＩＮＳＷＥＤＥＮ : : The case of one and two dwelling buildings.” 2011. Web. 12 Apr 2021.

Vancouver:

Getahun HD. ＴＨＥＥＦＦＥＣＴＯＦＩＮＴＥＲＥＳＴＲＡＴＥS ＯＮＨＯＵＳＩＮＧＰＲＩＣＥＳＩＮＳＷＥＤＥＮ : : The case of one and two dwelling buildings. [Internet] [Thesis]. KTH; 2011. [cited 2021 Apr 12]. Available from: http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-89826.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Getahun HD. ＴＨＥＥＦＦＥＣＴＯＦＩＮＴＥＲＥＳＴＲＡＴＥS ＯＮＨＯＵＳＩＮＧＰＲＩＣＥＳＩＮＳＷＥＤＥＮ : : The case of one and two dwelling buildings. [Thesis]. KTH; 2011. Available from: http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-89826

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

28. Schmidt, Nathalie. What is the Impact of Interest Rate Levels on Banks’ Openness to Risk?.

Degree: MS(M.S.), 2016, City University of New York

URL: https://academicworks.cuny.edu/cc_etds_theses/586

► This research paper deals with the impact of interest rate levels on banks’ openness to risk. There are several interest rates in the economy,… (more)

▼ This research paper deals with the impact of interest rate levels on banks’ openness to risk. There are several interest rates in the economy, which have different impacts of banks profit situations. This makes it necessary for banks to come up with the right strategy to ensure financial profitability. This research paper intends to find out the correlation between interest rate levels and risk behavior. An all-time low interest rate level characterizes the current situation in the economy. This situation deals as the focus of this research project. It makes business for financial institutions much harder compared to high interest rate levels, since it is more difficult to generate profits, due to low margins. The first finding of this research paper is that there are different ways banks respond to a change in interest rate levels. To compensate the decrease in profits generated from margins, banks have to find new ways. One way is to enter new, more profitable business fields such as infrastructure projects, which are connected with more risk though than the business with private customers. However with focusing on the private banking sector it could be found out, by analyzing statistical data from the Federal Reserve, hat there is no increase in risk taking with low interest rates. Since the financial crisis, the point when interest rates started to decrease, the amount of issued loans increased. At the same time charge-off and delinquency rates declined. This indicates that fewer customers default in paying back their loans, due to stricter regulations in the credit business. Another finding of the research paper is that there is another challenge for banks next to low margins, which is the increase in competition due to the rise of non- and nearbanks. Customer acquisition has become much harder and customer loyalty II decreased, because customers have become more price sensitive and there is more supply in financial products, where they can choose from. These findings are based on secondary data, mostly in form of books and academic journals. Then they are confirmed with the analysis of primary data, consisting of statistical data on the financial sector. To generate more specific information, two sample companies have been chosen and analyzed. First, by looking at statistical data on their financial situation and secondly by attaining subjective opinions of companies’ representatives in the form of interviews. Recommendations for companies in the financial sector are given at the end of this research project and are based on the findings from the secondary and primary research. However it is difficult to give concrete recommendations since the financial sector is subject to a large number of standards and regulations. What can be said is that they have to be innovative and have to find alternative ways to attract and keep customers in order to keep their business profitable. Advisors/Committee Members: Heidi Zhao, Kevin Forster.

Subjects/Keywords: banks; interest rates; economy; risk; Economics; Finance

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APA (6^th Edition):

Schmidt, N. (2016). What is the Impact of Interest Rate Levels on Banks’ Openness to Risk?. (Thesis). City University of New York. Retrieved from https://academicworks.cuny.edu/cc_etds_theses/586

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Schmidt, Nathalie. “What is the Impact of Interest Rate Levels on Banks’ Openness to Risk?.” 2016. Thesis, City University of New York. Accessed April 12, 2021. https://academicworks.cuny.edu/cc_etds_theses/586.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Schmidt, Nathalie. “What is the Impact of Interest Rate Levels on Banks’ Openness to Risk?.” 2016. Web. 12 Apr 2021.

Vancouver:

Schmidt N. What is the Impact of Interest Rate Levels on Banks’ Openness to Risk?. [Internet] [Thesis]. City University of New York; 2016. [cited 2021 Apr 12]. Available from: https://academicworks.cuny.edu/cc_etds_theses/586.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Schmidt N. What is the Impact of Interest Rate Levels on Banks’ Openness to Risk?. [Thesis]. City University of New York; 2016. Available from: https://academicworks.cuny.edu/cc_etds_theses/586

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

29. Denk, Ann. Interest Rate and Commodity Price Impacts on Farm-Level Financials.

Degree: 2019, North Dakota State University

URL: http://hdl.handle.net/10365/31149

► The agriculture industry has been around for hundreds of years. Although farmers and ranchers work every day to put food on the tables of billions… (more)

Subjects/Keywords: Agriculture – Finance.; Agricultural prices.; Interest rates.

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APA · Chicago · MLA · Vancouver · CSE | Export to Zotero / EndNote / Reference Manager

APA (6^th Edition):

Denk, A. (2019). Interest Rate and Commodity Price Impacts on Farm-Level Financials. (Thesis). North Dakota State University. Retrieved from http://hdl.handle.net/10365/31149

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Denk, Ann. “Interest Rate and Commodity Price Impacts on Farm-Level Financials.” 2019. Thesis, North Dakota State University. Accessed April 12, 2021. http://hdl.handle.net/10365/31149.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Denk, Ann. “Interest Rate and Commodity Price Impacts on Farm-Level Financials.” 2019. Web. 12 Apr 2021.

Vancouver:

Denk A. Interest Rate and Commodity Price Impacts on Farm-Level Financials. [Internet] [Thesis]. North Dakota State University; 2019. [cited 2021 Apr 12]. Available from: http://hdl.handle.net/10365/31149.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Denk A. Interest Rate and Commodity Price Impacts on Farm-Level Financials. [Thesis]. North Dakota State University; 2019. Available from: http://hdl.handle.net/10365/31149

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Michigan State University

30. Chung, Sungsam. Essays on microfinance.

Degree: 2014, Michigan State University

URL: http://etd.lib.msu.edu/islandora/object/etd:3002

►

Thesis Ph. D. Michigan State University. Economics - Doctor of Philosophy 2014.

This dissertation consists of two chapters. The first chapter is dealing with microfinance's… (more)

▼

Thesis Ph. D. Michigan State University. Economics - Doctor of Philosophy 2014.

This dissertation consists of two chapters. The first chapter is dealing with microfinance's interest rates. Microfinance institutions' (MFIs) high interest rates have been at the center of controversy from the beginning of microfinance. One plausible and widely accepted theory, which explains MFIs' high interest rate puzzle, is that there exist fixed costs involved in making loans, say per borrower (or per loan) fixed transaction costs. However, in spite of its topicality, this fixed costs theory still remains untested empirically. Based on the theoretical operating costs function and a large data set on 526 MFIs from 75 countries, this study is the first attempt to test the fixed costs theory directly, by answering the following questions: how much of operating costs are incurred by per borrower fixed transaction costs? And how much do MFIs need to charge in order to cover their operating costs? We find that the per borrower fixed costs account or about 45% of total operating costs for a representative median MFI, which lends 1,000 on average to 12,000 borrowers, and drive the MFI to charge at least 6 to 10 percentage points more as interest solely to cover its operating costs. Furthermore, the smaller average loan size is the more per borrower fixed costs matter to MFIs interest rates, i.e., MFIs' making small loans of 400 have to charge about 40% percentage points higher interest rates than MFIs' making large loans of 2,500. The second chapter is about the religion effects on microfinance. In spite of recent emergence of religion as a crucial factor in development economics, only limited studies have been done on the effect of religion on microfinance. This study aims to provide answers to the following two questions; whether a certain religious denomination is better or worse in MFIs' operation, and whether religious intensity also has an impact on MFIs'performances. We find that MFIs operating in Muslim-dominant countries have significantly lower operating costs than MFIs in Christian-dominant countries, and consequently, have higher operational self-sufficiency. Besides, we also find that religious intensity, which is measured by % of actively religious population, has positive effects on growth rate of MFIs' average loan size.

Description based on online resource; title from PDF t.p. (viewed on May 9, 2017).

Advisors/Committee Members: Ahlin, Christian, Minetti, Raoul, Zhu, Chun, Jin, Songqing.

Subjects/Keywords: Microfinance – Developing countries; Microfinance – Religious aspects; Interest rates – Developing countries; Interest rates; Microfinance; Economics

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APA · Chicago · MLA · Vancouver · CSE | Export to Zotero / EndNote / Reference Manager

APA (6^th Edition):

Chung, S. (2014). Essays on microfinance. (Thesis). Michigan State University. Retrieved from http://etd.lib.msu.edu/islandora/object/etd:3002

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Chicago Manual of Style (16^th Edition):

Chung, Sungsam. “Essays on microfinance.” 2014. Thesis, Michigan State University. Accessed April 12, 2021. http://etd.lib.msu.edu/islandora/object/etd:3002.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

MLA Handbook (7^th Edition):

Chung, Sungsam. “Essays on microfinance.” 2014. Web. 12 Apr 2021.

Vancouver:

Chung S. Essays on microfinance. [Internet] [Thesis]. Michigan State University; 2014. [cited 2021 Apr 12]. Available from: http://etd.lib.msu.edu/islandora/object/etd:3002.

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Council of Science Editors:

Chung S. Essays on microfinance. [Thesis]. Michigan State University; 2014. Available from: http://etd.lib.msu.edu/islandora/object/etd:3002

Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation

Open Access Theses and Dissertations