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University of Nairobi
1.
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 (6th 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 (16th 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 17, 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 (7th Edition):
George, Jonah O. “The effect of lending interest rates on the financial performance of savings and credit cooperative socities in Kenya
.” 2012. Web. 17 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 17].
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 Debrecen
2.
Kiss, Gergő.
Lakossági jelzáloghitelezés a makrogazdasági körülmények változásának tükrében
.
Degree: DE – ATC – Gazdálkodástudományi és Vidékfejlesztési Kar, 2012, University of Debrecen
URL: http://hdl.handle.net/2437/128155
► "A dolgozat keretében bemutatom a hitelezés általános elveit, a hitelek fajtáit, majd rátérek a jelzáloghitelezésre. Célom, hogy jogszabályokon, kormányintézkedéseken keresztül bemutassam a hitelezés jellemzőit az…
(more)
▼ "A dolgozat keretében bemutatom a hitelezés általános elveit, a hitelek fajtáit, majd rátérek a jelzáloghitelezésre. Célom, hogy jogszabályokon, kormányintézkedéseken keresztül bemutassam a hitelezés jellemzőit az ezredfordulót követően, nagy figyelmet szentelve a 2005 környéki, úgynevezett „aranykorra”, majd kifejtem, hogyan érintette a gazdasági válság a lakossági hiteleket és az adósokat, és milyen változások mentek végbe a hitelezési gyakorlatban a válság után, napjainkig."
Advisors/Committee Members: Tarnóczi, Tibor (advisor).
Subjects/Keywords: jelzáloghitel;
mortgage lending
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APA (6th Edition):
Kiss, G. (2012). Lakossági jelzáloghitelezés a makrogazdasági körülmények változásának tükrében
. (Thesis). University of Debrecen. Retrieved from http://hdl.handle.net/2437/128155
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Chicago Manual of Style (16th Edition):
Kiss, Gergő. “Lakossági jelzáloghitelezés a makrogazdasági körülmények változásának tükrében
.” 2012. Thesis, University of Debrecen. Accessed April 17, 2021.
http://hdl.handle.net/2437/128155.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
MLA Handbook (7th Edition):
Kiss, Gergő. “Lakossági jelzáloghitelezés a makrogazdasági körülmények változásának tükrében
.” 2012. Web. 17 Apr 2021.
Vancouver:
Kiss G. Lakossági jelzáloghitelezés a makrogazdasági körülmények változásának tükrében
. [Internet] [Thesis]. University of Debrecen; 2012. [cited 2021 Apr 17].
Available from: http://hdl.handle.net/2437/128155.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Council of Science Editors:
Kiss G. Lakossági jelzáloghitelezés a makrogazdasági körülmények változásának tükrében
. [Thesis]. University of Debrecen; 2012. Available from: http://hdl.handle.net/2437/128155
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Royal Holloway, University of London
3.
Fastenbauer, Judith Miriam.
Access to finance by entrepreneurs in the UK and Austria.
Degree: PhD, 2015, Royal Holloway, University of London
URL: https://pure.royalholloway.ac.uk/portal/en/publications/access-to-finance-by-entrepreneurs-in-the-uk-and-austria(0be7e928-70d4-4392-8c62-75ef545aa728).html
;
https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.792330
► There is a substantial amount of research on capital structures, credit rationing and discouraged borrowers of small and medium sized enterprises (SMEs). However, there is…
(more)
▼ There is a substantial amount of research on capital structures, credit rationing and discouraged borrowers of small and medium sized enterprises (SMEs). However, there is a lack of research which has focused upon information obtained from the entrepreneurs who established or purchased surveyed firms based on using qualitative research methods to determine how and why particular capital structures are followed, and also how discouragement occurs and on what criteria alternative routes are taken. In order to fill this research gap this study uses interviews with 25 entrepreneurs from the UK and Austria. The results suggest the pecking order theory is not followed in practice, and that there is evidence of differences by gender and to a lesser extent prior experience. Also there are differences between the UK and Austria in relation to finances used due to government support and different national financial systems. In relation to gender the study shows that women face disadvantages due to being the prime care taker to children. Discouragement seems to take place when a business has not reached level of maturity or has declined from a level of stability. Additionally, there is a gap on research to investigate the influence of prior business closure experience on access to finance. Therefore the objective of the thesis is to contribute to the field of capital structures and discouraged borrowers by using qualitative rather than quantitative techniques and test a series of propositions.
Subjects/Keywords: entrepreneurship; SME; finance; lending
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APA ·
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Manager
APA (6th Edition):
Fastenbauer, J. M. (2015). Access to finance by entrepreneurs in the UK and Austria. (Doctoral Dissertation). Royal Holloway, University of London. Retrieved from https://pure.royalholloway.ac.uk/portal/en/publications/access-to-finance-by-entrepreneurs-in-the-uk-and-austria(0be7e928-70d4-4392-8c62-75ef545aa728).html ; https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.792330
Chicago Manual of Style (16th Edition):
Fastenbauer, Judith Miriam. “Access to finance by entrepreneurs in the UK and Austria.” 2015. Doctoral Dissertation, Royal Holloway, University of London. Accessed April 17, 2021.
https://pure.royalholloway.ac.uk/portal/en/publications/access-to-finance-by-entrepreneurs-in-the-uk-and-austria(0be7e928-70d4-4392-8c62-75ef545aa728).html ; https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.792330.
MLA Handbook (7th Edition):
Fastenbauer, Judith Miriam. “Access to finance by entrepreneurs in the UK and Austria.” 2015. Web. 17 Apr 2021.
Vancouver:
Fastenbauer JM. Access to finance by entrepreneurs in the UK and Austria. [Internet] [Doctoral dissertation]. Royal Holloway, University of London; 2015. [cited 2021 Apr 17].
Available from: https://pure.royalholloway.ac.uk/portal/en/publications/access-to-finance-by-entrepreneurs-in-the-uk-and-austria(0be7e928-70d4-4392-8c62-75ef545aa728).html ; https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.792330.
Council of Science Editors:
Fastenbauer JM. Access to finance by entrepreneurs in the UK and Austria. [Doctoral Dissertation]. Royal Holloway, University of London; 2015. Available from: https://pure.royalholloway.ac.uk/portal/en/publications/access-to-finance-by-entrepreneurs-in-the-uk-and-austria(0be7e928-70d4-4392-8c62-75ef545aa728).html ; https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.792330
Addis Ababa University
4.
Sewale, Bitew.
Innovation and conventional lending practice of banks in Ethiopia:
.
Degree: 2012, Addis Ababa University
URL: http://etd.aau.edu.et/dspace/handle/123456789/1841
► The research was initiated to pinpoint the trend of bank lending from the context of enabling startups and innovations, to clarify the current practice of…
(more)
▼ The research was initiated to pinpoint the trend of bank
lending from the context of enabling startups and innovations, to clarify the current practice of
lending from the above context, to identify the basic factors that influence the success of innovations and to forward workable solutions in the area.
The basic methods of data collection used to come up with the findings of the research were: interviews with bank professionals and patented innovators, desk review of
lending policies of selected banks, review of innovation and patenting policy of the nation, reviewing the domestic credit portfolio of the country and survey questionnaires. The survey questionnaire was collected from 40 different minor inventors out of a total of around 70 inventors and 110 inventions. The basic data analysis methods used to analyze the data obtained in the aforementioned ways were description and econometric analysis.
The findings obtained through these methods show that: bank
lending has been skewed towards more organized, experienced and collateral possessing firms than new startups and innovators. In addition, the current practice has nothing new when compared with the trend despite the fact that the share of loan granted to the manufacturing sector has increased recently. Finally, in assessing the factors that affect the success of innovation, access to finance was found the only significant variable. Educational level, family size, nature of the invention and availability of training were found insignificant to affect the success of innovation.
Basing this, the researcher forwarded some workable solutions regarding the need for frequent revision of innovation policies, separating the possession of private banks from respective borrowers and encouraging financial policies that favor new startups and innovators
Advisors/Committee Members: Bamlaku Alamirew (advisor).
Subjects/Keywords: innovation, patenting, access;
finance, lending
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APA ·
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Export
to Zotero / EndNote / Reference
Manager
APA (6th Edition):
Sewale, B. (2012). Innovation and conventional lending practice of banks in Ethiopia:
. (Thesis). Addis Ababa University. Retrieved from http://etd.aau.edu.et/dspace/handle/123456789/1841
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Chicago Manual of Style (16th Edition):
Sewale, Bitew. “Innovation and conventional lending practice of banks in Ethiopia:
.” 2012. Thesis, Addis Ababa University. Accessed April 17, 2021.
http://etd.aau.edu.et/dspace/handle/123456789/1841.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
MLA Handbook (7th Edition):
Sewale, Bitew. “Innovation and conventional lending practice of banks in Ethiopia:
.” 2012. Web. 17 Apr 2021.
Vancouver:
Sewale B. Innovation and conventional lending practice of banks in Ethiopia:
. [Internet] [Thesis]. Addis Ababa University; 2012. [cited 2021 Apr 17].
Available from: http://etd.aau.edu.et/dspace/handle/123456789/1841.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Council of Science Editors:
Sewale B. Innovation and conventional lending practice of banks in Ethiopia:
. [Thesis]. Addis Ababa University; 2012. Available from: http://etd.aau.edu.et/dspace/handle/123456789/1841
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
University of Nairobi
5.
Khangalah, Maurice O.
Determinants Of Commercial Banks’ Lending Behavior In Kenya: Case Of State Owned Banks In Kenya
.
Degree: 2016, University of Nairobi
URL: http://hdl.handle.net/11295/100344
► This study sought to examine the determinants of lending behavior by commercial banks in the Kenyan banking sector with a focus on lending behavior of…
(more)
▼ This study sought to examine the determinants of lending behavior by commercial banks in the Kenyan banking sector with a focus on lending behavior of state owned commercial banks in Kenya. It sought to put to test what determines the lending behavior of commercial banks. There are many factors that can determine the lending behavior of banks but this study focused on Capital adequacy, Asset Quality, Interest rates and Liquidity. These made up the independent variables of the study. Most research studies focused on private & listed banks in the Nairobi Securities Exchange and thus the study sought to address this knowledge gap by focusing on Kenyan state owned banks. The study adopted descriptive survey with the population targeted being the three state owned Kenyan banks. This research relied on secondary data which was collected from the website of the state owned banks. The study used both inferential and descriptive statistics in the analysis. The descriptive statistical tools are used to enable a researcher to illustrate the data and determine the degree of its usage. Regression analysis was the main analysis tool. Excel 2007 application, tabulations, percentages, means and other central tendencies were used to analyze data. Findings were summarized using tables for further analysis. The study established out that liquidity ratio and capital adequacy positively affected credit extension significantly whereas interest rate and asset quality inversely affected credit creation of the state owned commercial banks. The effect of loan pricing (denominated in interest rate) on lending behavior was found to be statistically significant whereas asset quality was found to be statistically insignificant.
Subjects/Keywords: Lending Behavior In Kenya
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APA ·
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Manager
APA (6th Edition):
Khangalah, M. O. (2016). Determinants Of Commercial Banks’ Lending Behavior In Kenya: Case Of State Owned Banks In Kenya
. (Thesis). University of Nairobi. Retrieved from http://hdl.handle.net/11295/100344
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Chicago Manual of Style (16th Edition):
Khangalah, Maurice O. “Determinants Of Commercial Banks’ Lending Behavior In Kenya: Case Of State Owned Banks In Kenya
.” 2016. Thesis, University of Nairobi. Accessed April 17, 2021.
http://hdl.handle.net/11295/100344.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
MLA Handbook (7th Edition):
Khangalah, Maurice O. “Determinants Of Commercial Banks’ Lending Behavior In Kenya: Case Of State Owned Banks In Kenya
.” 2016. Web. 17 Apr 2021.
Vancouver:
Khangalah MO. Determinants Of Commercial Banks’ Lending Behavior In Kenya: Case Of State Owned Banks In Kenya
. [Internet] [Thesis]. University of Nairobi; 2016. [cited 2021 Apr 17].
Available from: http://hdl.handle.net/11295/100344.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Council of Science Editors:
Khangalah MO. Determinants Of Commercial Banks’ Lending Behavior In Kenya: Case Of State Owned Banks In Kenya
. [Thesis]. University of Nairobi; 2016. Available from: http://hdl.handle.net/11295/100344
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
University of Nairobi
6.
Macharia, Joseph C.
The relationship between insider lending and financial risk of commercial banks in kenya
.
Degree: 2016, University of Nairobi
URL: http://hdl.handle.net/11295/99195
► This research study was conducted to enable the researcher to determine the effect of insider lending levels on financial risk of commercial banks in Kenya.…
(more)
▼ This research study was conducted to enable the researcher to determine the effect of insider lending levels on financial risk of commercial banks in Kenya. Financial risk was measured using liquidity ratio. Insider lending was the independent variable. Lending rate, exchange rate and credit risk were used as the model control variables. The study used a descriptive research design. The population of the census study comprised all the forty two commercial banks in Kenya. Secondary data was collected on the study variables from the published annual reports and financial statements of the said banks and the annual periodic reports published by the Kenya National Bureau of Statistics. Data collected was summarized and organized into form of tables and data analysis undertaken. Data analysis was undertaken using regression and correlation analyses, as well as descriptive statistics. The research study finds that insider lending has a weak effect on financial risk among commercial banks in Kenya.
Subjects/Keywords: Insider Lending and Financial Risk
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APA ·
Chicago ·
MLA ·
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Export
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Manager
APA (6th Edition):
Macharia, J. C. (2016). The relationship between insider lending and financial risk of commercial banks in kenya
. (Thesis). University of Nairobi. Retrieved from http://hdl.handle.net/11295/99195
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Chicago Manual of Style (16th Edition):
Macharia, Joseph C. “The relationship between insider lending and financial risk of commercial banks in kenya
.” 2016. Thesis, University of Nairobi. Accessed April 17, 2021.
http://hdl.handle.net/11295/99195.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
MLA Handbook (7th Edition):
Macharia, Joseph C. “The relationship between insider lending and financial risk of commercial banks in kenya
.” 2016. Web. 17 Apr 2021.
Vancouver:
Macharia JC. The relationship between insider lending and financial risk of commercial banks in kenya
. [Internet] [Thesis]. University of Nairobi; 2016. [cited 2021 Apr 17].
Available from: http://hdl.handle.net/11295/99195.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Council of Science Editors:
Macharia JC. The relationship between insider lending and financial risk of commercial banks in kenya
. [Thesis]. University of Nairobi; 2016. Available from: http://hdl.handle.net/11295/99195
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
University of Nairobi
7.
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 ·
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Export
to Zotero / EndNote / Reference
Manager
APA (6th 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 (16th Edition):
Ngigi, Maxwell K. “Determinants of lending interest rates in deposit taking microfinance institutions in Kenya
.” 2014. Thesis, University of Nairobi. Accessed April 17, 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 (7th Edition):
Ngigi, Maxwell K. “Determinants of lending interest rates in deposit taking microfinance institutions in Kenya
.” 2014. Web. 17 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 17].
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
8.
Xu, Wei.
Essays on Applied Econometrics and Causal Inference: Applications to the Analysis of the Tax Multiplier and to the Evaluation of Online Lending Market.
Degree: Economics, 2018, University of California – Santa Cruz
URL: http://www.escholarship.org/uc/item/1x68x1pb
► The dissertation consists of three chapters, with emphasis on analyzing macro- and micro-level data and applying econometric techniques so as to measure treatment effects and…
(more)
▼ The dissertation consists of three chapters, with emphasis on analyzing macro- and micro-level data and applying econometric techniques so as to measure treatment effects and draw a causal inference. The first chapter estimates the causal impacts of tax policy changes on the US post-war macroeconomy by exploring the permanent and exogenous tax changes identified by the narrative approach. In a state-dependent model estimated by local projections method, the tax multiplier effects are allowed to differ conditional on the contemporary economic conditions. The empirical findings show that the impulse response of output to tax shocks is significantly weaker and more sluggish when the US economy is in a recession than when it is in an expansion. I also find evidence suggesting that such asymmetry in the multiplier impacts happens as the result of a relatively smaller and slower response of private investment to tax policy changes during periods of recession. While no strong difference is found regarding the impulse responses of private consumption to tax changes under different economic conditions. These results are robust with respect to alternative model assumptions and specifications. Thus, the research indicates that tax policies constitute a more effective fiscal tool for economic adjustment in a booming economy instead of a dwindling one. The second and third chapters are joint work with Baizhu Chen and study the fast-growing online lending market. In the second chapter, we estimate the effect of credit insurance on the online peer-to-peer (P2P) lending market. Online lending is a fast growing area of alternative finance. However, it is often plagued by asymmetric information problems and high credit risk, especially in developing countries that do not have well-established financial and credit rating systems. To address this issue, some Chinese P2P marketplaces have incorporated loan insurance into their online platforms. We estimate the treatment effects of credit insurance on the P2P market by exploiting a unique quasi-experiment. Specifically, loan guarantees gradually became available on a top Chinese P2P lending platform to borrowers from 31 major cities between 2012 and 2014 through 12 waves of business expansion. Our empirical results suggest that the availability of credit insurance resulted in significant, strong, and persistent treatment effects on the market demand and supply. The adoption of credit insurance was associated with dramatic increases in the number of loan listings, funding probability per loan, and bidding amount per lender. The average funding time per loan decreased by as large as about 170 hours.The third chapter utilizes a unique dataset of P2P lending with detailed loan and borrower information to study which borrower characteristics lenders value when choosing loans to fund and whether lenders value characteristics that minimize the probability of default. We begin by presenting a theoretical model (1) to help illustrate the behavior of lenders and borrowers in a P2P market and (2) to…
Subjects/Keywords: Economics; Fiscal Multiplier; Online Lending
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APA (6th Edition):
Xu, W. (2018). Essays on Applied Econometrics and Causal Inference: Applications to the Analysis of the Tax Multiplier and to the Evaluation of Online Lending Market. (Thesis). University of California – Santa Cruz. Retrieved from http://www.escholarship.org/uc/item/1x68x1pb
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Chicago Manual of Style (16th Edition):
Xu, Wei. “Essays on Applied Econometrics and Causal Inference: Applications to the Analysis of the Tax Multiplier and to the Evaluation of Online Lending Market.” 2018. Thesis, University of California – Santa Cruz. Accessed April 17, 2021.
http://www.escholarship.org/uc/item/1x68x1pb.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
MLA Handbook (7th Edition):
Xu, Wei. “Essays on Applied Econometrics and Causal Inference: Applications to the Analysis of the Tax Multiplier and to the Evaluation of Online Lending Market.” 2018. Web. 17 Apr 2021.
Vancouver:
Xu W. Essays on Applied Econometrics and Causal Inference: Applications to the Analysis of the Tax Multiplier and to the Evaluation of Online Lending Market. [Internet] [Thesis]. University of California – Santa Cruz; 2018. [cited 2021 Apr 17].
Available from: http://www.escholarship.org/uc/item/1x68x1pb.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Council of Science Editors:
Xu W. Essays on Applied Econometrics and Causal Inference: Applications to the Analysis of the Tax Multiplier and to the Evaluation of Online Lending Market. [Thesis]. University of California – Santa Cruz; 2018. Available from: http://www.escholarship.org/uc/item/1x68x1pb
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
University of Ghana
9.
Apawudza, A.S.
Effect of Capital Requirement on Profitability and Lending Behaviour of Banks in Ghana
.
Degree: 2019, University of Ghana
URL: http://ugspace.ug.edu.gh/handle/123456789/30681
► Minimum capital requirement is significant in improving banks’ performance and minimizing the lending behaviour, thus it is vitally important to regulate financial institutions such as…
(more)
▼ Minimum capital requirement is significant in improving banks’ performance and minimizing the lending behaviour, thus it is vitally important to regulate financial institutions such as bank in order for them not take on excess leverage and become insolvent. The objective of this study is to assess the effect of minimum capital requirement on profitability and lending behavior of banks in Ghana. The study employs pooled panel data analysis with quantitative research approach, as well as purposive sampling method to sample 12 banks in Ghana. The study used financial statements of twelve banks comprising of 6 listed and 6 unlisted banks in Ghana during the period 2011 to 2017, and the data collected was coded and entered into STATA version 15 and analysed using Pearson correlation and panel data analysis. The study found that fixed effect model was preferred over the random effects model for the determination of variation in the profitability and lending behavior of banks in Ghana due to the minimum capital requirement using the Hausman Test.
The study found a positive effect of capital requirement on profitability of banks in Ghana. Also, the study found a negative effect of capital requirement on the lending behavior of banks in Ghana.
The study recommends that bank managers should intensify their effort of enhancing the banks’ profitability by ensuring that there is enough capital to prevent liquidation. Banks should put in some policies and systems to manage their lending behaviours. Banks managers should separate honest customers facing short term loan payment problems from habitual defaulters
Subjects/Keywords: Profitability;
Lending;
Bank;
Ghana
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APA ·
Chicago ·
MLA ·
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CSE |
Export
to Zotero / EndNote / Reference
Manager
APA (6th Edition):
Apawudza, A. S. (2019). Effect of Capital Requirement on Profitability and Lending Behaviour of Banks in Ghana
. (Masters Thesis). University of Ghana. Retrieved from http://ugspace.ug.edu.gh/handle/123456789/30681
Chicago Manual of Style (16th Edition):
Apawudza, A S. “Effect of Capital Requirement on Profitability and Lending Behaviour of Banks in Ghana
.” 2019. Masters Thesis, University of Ghana. Accessed April 17, 2021.
http://ugspace.ug.edu.gh/handle/123456789/30681.
MLA Handbook (7th Edition):
Apawudza, A S. “Effect of Capital Requirement on Profitability and Lending Behaviour of Banks in Ghana
.” 2019. Web. 17 Apr 2021.
Vancouver:
Apawudza AS. Effect of Capital Requirement on Profitability and Lending Behaviour of Banks in Ghana
. [Internet] [Masters thesis]. University of Ghana; 2019. [cited 2021 Apr 17].
Available from: http://ugspace.ug.edu.gh/handle/123456789/30681.
Council of Science Editors:
Apawudza AS. Effect of Capital Requirement on Profitability and Lending Behaviour of Banks in Ghana
. [Masters Thesis]. University of Ghana; 2019. Available from: http://ugspace.ug.edu.gh/handle/123456789/30681
University of Ghana
10.
Adu, J.A.N.
Role of Capital Adequacy on Bank Lending and Performance in Ghana
.
Degree: 2019, University of Ghana
URL: http://ugspace.ug.edu.gh/handle/123456789/32734
► Banks play important roles in national economies and their continuous stability is regarded highly. One of the measures of financial soundness is capital adequacy, which…
(more)
▼ Banks play important roles in national economies and their continuous stability is regarded highly.
One of the measures of financial soundness is capital adequacy, which is the ratio of a bank’s
primary capital to its risk weighted assets. This study set out to examine how capital adequacy is
related to bank performance and lending. The analysis was done using both primary data from
questionnaires issued to key bank staff as well as data from the annual financial reports of banks.
Fourteen banks, with data from 2008 to 2018 were included in the sample. The study relied on
Pearson Correlation coefficient and other bivariate descriptive to report results. The findings show
that Capital adequacy had a positive relationship with profitability and lending, but the result was
only significant for profitability and not lending. In spite of the high capital adequacy ratio of
banks, there is still caution on lending based on increasing non-performing loan ratio in the
industry. However, capital adequacy encourages customer confidence, which leads to cheap
deposits for banks and ultimately increased profits. There is need to improve customer identity and
addressing system as well as bank credit assessment process to enhance asset quality
Subjects/Keywords: Capital;
Bank Lending;
Ghana
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APA ·
Chicago ·
MLA ·
Vancouver ·
CSE |
Export
to Zotero / EndNote / Reference
Manager
APA (6th Edition):
Adu, J. A. N. (2019). Role of Capital Adequacy on Bank Lending and Performance in Ghana
. (Masters Thesis). University of Ghana. Retrieved from http://ugspace.ug.edu.gh/handle/123456789/32734
Chicago Manual of Style (16th Edition):
Adu, J A N. “Role of Capital Adequacy on Bank Lending and Performance in Ghana
.” 2019. Masters Thesis, University of Ghana. Accessed April 17, 2021.
http://ugspace.ug.edu.gh/handle/123456789/32734.
MLA Handbook (7th Edition):
Adu, J A N. “Role of Capital Adequacy on Bank Lending and Performance in Ghana
.” 2019. Web. 17 Apr 2021.
Vancouver:
Adu JAN. Role of Capital Adequacy on Bank Lending and Performance in Ghana
. [Internet] [Masters thesis]. University of Ghana; 2019. [cited 2021 Apr 17].
Available from: http://ugspace.ug.edu.gh/handle/123456789/32734.
Council of Science Editors:
Adu JAN. Role of Capital Adequacy on Bank Lending and Performance in Ghana
. [Masters Thesis]. University of Ghana; 2019. Available from: http://ugspace.ug.edu.gh/handle/123456789/32734
University of Houston
11.
Luttini, Emiliano.
Essays on International Finance.
Degree: PhD, Economics, 2014, University of Houston
URL: http://hdl.handle.net/10657/4670
► In the first article of this dissertation I estimate the effect of supply shocks to bank-lending on Argentinean region’s real activity. Supply shocks to bank-lending…
(more)
▼ In the first article of this dissertation I estimate the effect of supply shocks to bank-
lending on Argentinean region’s real activity. Supply shocks to bank-
lending are identified through a procedure which exploits the geographical distribution of bank’s assets and liabilities. Using regional Value Added Tax receipts for 1998–2004, I find that a region facing a negative 1% supply shock to total bank-
lending suffers a 1.6% output loss. In the data these shocks can explain a staggering output contraction of up to 9%. I document that the bulk of this result is accounted for by the contraction on the service sector. In the second chapter, using a variance decomposition of shocks to GDP, my co-authors and I quantify the role of international factor income, international transfers, and saving in achieving risk sharing during the recent European crisis. We focus on the sub-periods 1990–2007, 2008 2009, and 2010 and consider separately the European countries hit by the sovereign debt crisis in 2010. We decompose risk sharing from saving into contributions from government and private saving and show that fiscal austerity programs played an important role in hindering risk sharing during the sovereign debt crisis.
Advisors/Committee Members: Sorensen, Bent E. (advisor), Vollrath, Dietrich (committee member), Murray, Christian J. (committee member), Susmel, Raul (committee member).
Subjects/Keywords: Bank Lending; Capital markets
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APA ·
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Manager
APA (6th Edition):
Luttini, E. (2014). Essays on International Finance. (Doctoral Dissertation). University of Houston. Retrieved from http://hdl.handle.net/10657/4670
Chicago Manual of Style (16th Edition):
Luttini, Emiliano. “Essays on International Finance.” 2014. Doctoral Dissertation, University of Houston. Accessed April 17, 2021.
http://hdl.handle.net/10657/4670.
MLA Handbook (7th Edition):
Luttini, Emiliano. “Essays on International Finance.” 2014. Web. 17 Apr 2021.
Vancouver:
Luttini E. Essays on International Finance. [Internet] [Doctoral dissertation]. University of Houston; 2014. [cited 2021 Apr 17].
Available from: http://hdl.handle.net/10657/4670.
Council of Science Editors:
Luttini E. Essays on International Finance. [Doctoral Dissertation]. University of Houston; 2014. Available from: http://hdl.handle.net/10657/4670
University of Bridgeport
12.
Sagner, James S.
Bank Corporate Lending: A Bubble in Progress and Suggested Remedies
.
Degree: 2015, University of Bridgeport
URL: https://scholarworks.bridgeport.edu/xmlui/handle/123456789/1094
► The causes of the Great Recession that began in 2008, and the solutions to prevent a recurrence, have been argued over endlessly. The government has…
(more)
▼ The causes of the Great Recession that began in 2008, and the solutions to prevent a recurrence, have been argued over endlessly. The government has responded with various actions: e.g., the Dodd-Frank Act (2010); stronger oversight of the activities of commercial and investment banks; and other measures. A significant unaddressed financial concern are the procedures for bank lending to businesses, which is largely unrestricted as to loan policies, required collateral and other safeguards, and the strength of loan covenants that protect the bank during the duration of the loan. This paper discusses the situation with regard to loan covenants and suggests various remedies.
Subjects/Keywords: Bank corporate lending;
Business;
Recession
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APA ·
Chicago ·
MLA ·
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CSE |
Export
to Zotero / EndNote / Reference
Manager
APA (6th Edition):
Sagner, J. S. (2015). Bank Corporate Lending: A Bubble in Progress and Suggested Remedies
. (Thesis). University of Bridgeport. Retrieved from https://scholarworks.bridgeport.edu/xmlui/handle/123456789/1094
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Chicago Manual of Style (16th Edition):
Sagner, James S. “Bank Corporate Lending: A Bubble in Progress and Suggested Remedies
.” 2015. Thesis, University of Bridgeport. Accessed April 17, 2021.
https://scholarworks.bridgeport.edu/xmlui/handle/123456789/1094.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
MLA Handbook (7th Edition):
Sagner, James S. “Bank Corporate Lending: A Bubble in Progress and Suggested Remedies
.” 2015. Web. 17 Apr 2021.
Vancouver:
Sagner JS. Bank Corporate Lending: A Bubble in Progress and Suggested Remedies
. [Internet] [Thesis]. University of Bridgeport; 2015. [cited 2021 Apr 17].
Available from: https://scholarworks.bridgeport.edu/xmlui/handle/123456789/1094.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Council of Science Editors:
Sagner JS. Bank Corporate Lending: A Bubble in Progress and Suggested Remedies
. [Thesis]. University of Bridgeport; 2015. Available from: https://scholarworks.bridgeport.edu/xmlui/handle/123456789/1094
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
University of Namibia
13.
Mbarandongo, Erich Erwin.
Factors contributing to indebtedness of public servants in rural communities through micro-lending: A case study of Fransfontein settlement, Kunene region
.
Degree: 2018, University of Namibia
URL: http://hdl.handle.net/11070/2826
► Although micro lending can provide some benefits to the low income socioeconomic grouping, it often results in over-indebtedness for many families. The focus of this…
(more)
▼ Although micro lending can provide some benefits to the low income socioeconomic grouping, it often results in over-indebtedness for many families. The focus of this study was on the factors contributing to indebtedness of public servants of Fransfontein Settlement in the Kunene region. The study objectives were to determine decisions for loan sizes that they acquire; assessment of the levels of indebtedness; identification of the impact of micro lending on public servant’s consumption habits and an investigation whether participation in microfinance programs significantly reduces household vulnerability to poverty. A quantitative approach was employed in this study, using 89 participants who were randomly selected. The study revealed that indebtedness is mostly caused by the inability to save which is normally is caused by an overstretched budget due to the number of family members resident in the home. The other causes of indebtedness were associated with borrowers servicing more than one loan and the interest implications. The implications from the findings is that the government and the central bank must address the issue of indebtedness because its effects can negatively impact national livelihood, education and living standards of those residing in remote areas.
Subjects/Keywords: Indebtedness;
Public servants;
Micro-lending
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APA ·
Chicago ·
MLA ·
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CSE |
Export
to Zotero / EndNote / Reference
Manager
APA (6th Edition):
Mbarandongo, E. E. (2018). Factors contributing to indebtedness of public servants in rural communities through micro-lending: A case study of Fransfontein settlement, Kunene region
. (Thesis). University of Namibia. Retrieved from http://hdl.handle.net/11070/2826
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Chicago Manual of Style (16th Edition):
Mbarandongo, Erich Erwin. “Factors contributing to indebtedness of public servants in rural communities through micro-lending: A case study of Fransfontein settlement, Kunene region
.” 2018. Thesis, University of Namibia. Accessed April 17, 2021.
http://hdl.handle.net/11070/2826.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
MLA Handbook (7th Edition):
Mbarandongo, Erich Erwin. “Factors contributing to indebtedness of public servants in rural communities through micro-lending: A case study of Fransfontein settlement, Kunene region
.” 2018. Web. 17 Apr 2021.
Vancouver:
Mbarandongo EE. Factors contributing to indebtedness of public servants in rural communities through micro-lending: A case study of Fransfontein settlement, Kunene region
. [Internet] [Thesis]. University of Namibia; 2018. [cited 2021 Apr 17].
Available from: http://hdl.handle.net/11070/2826.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Council of Science Editors:
Mbarandongo EE. Factors contributing to indebtedness of public servants in rural communities through micro-lending: A case study of Fransfontein settlement, Kunene region
. [Thesis]. University of Namibia; 2018. Available from: http://hdl.handle.net/11070/2826
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
University of Namibia
14.
Asheela, Ndatega Victoria.
Towards responsible lending in Namibian consumer credit law: A comparative investigation
.
Degree: 2017, University of Namibia
URL: http://hdl.handle.net/11070/2682
► The regulation of consumer credit in Namibia mainly is provided for by the Usury Act 73 of 1968 and the Credit Agreements Act 75 of…
(more)
▼ The regulation of consumer credit in Namibia mainly is provided for by the Usury Act 73 of 1968 and the Credit Agreements Act 75 of 1980. These legislative enactments originated in South Africa and were applied in South West Africa during the period of South Africa’s mandate over what is now the Republic of Namibia. Despite the fact that these enactments are over 35 years old, they are substantially unchanged. In response to an awareness of the threat of consumer over-indebtedness and other events such as financial crises, the purpose in this thesis is to undertake a situational analysis of the debt prevention measures as provided for by the Namibian legislative framework and the extent of protection these measures afford consumers in terms of irresponsible credit and over-indebtedness. A broad survey of the policies aimed at promoting responsible lending benchmarks the Namibian consumer credit regulatory framework against the leading international best principles which have been developed in response to global economic challenges. The Namibia Financial Institutions Supervisory Authority in the 2014 Microlending Bill proposes to introduce responsible lending practices in the form of a compulsory pre-agreement assessment of the prospective consumer before providing them with credit. In a comparative investigation, the creditworthiness assessment and related measures central to the responsible lending regimes in South Africa and Australia are considered. Measuring the Namibian consumer credit regulatory framework against these recent developments, it is submitted that the current debt prevention measures are inadequate in protecting consumers from irresponsible credit lending and the risk of consumer over-indebtedness. This thesis supplies reasons for the need in Namibia to update the regulatory structure of the credit industry in order to protect consumers. As a contribution to the promotion of a culture of responsible lending in the Namibian consumer credit market, the thesis proposes the introduction of responsible lending measures in Namibia’s consumer credit legislative framework.
Subjects/Keywords: Lending;
Consumer credit law
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APA ·
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Export
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Manager
APA (6th Edition):
Asheela, N. V. (2017). Towards responsible lending in Namibian consumer credit law: A comparative investigation
. (Thesis). University of Namibia. Retrieved from http://hdl.handle.net/11070/2682
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Chicago Manual of Style (16th Edition):
Asheela, Ndatega Victoria. “Towards responsible lending in Namibian consumer credit law: A comparative investigation
.” 2017. Thesis, University of Namibia. Accessed April 17, 2021.
http://hdl.handle.net/11070/2682.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
MLA Handbook (7th Edition):
Asheela, Ndatega Victoria. “Towards responsible lending in Namibian consumer credit law: A comparative investigation
.” 2017. Web. 17 Apr 2021.
Vancouver:
Asheela NV. Towards responsible lending in Namibian consumer credit law: A comparative investigation
. [Internet] [Thesis]. University of Namibia; 2017. [cited 2021 Apr 17].
Available from: http://hdl.handle.net/11070/2682.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Council of Science Editors:
Asheela NV. Towards responsible lending in Namibian consumer credit law: A comparative investigation
. [Thesis]. University of Namibia; 2017. Available from: http://hdl.handle.net/11070/2682
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
University of California – Berkeley
15.
Ahmed, Javed.
Essays on financial intermediation.
Degree: Business Administration, Ph, 2011, University of California – Berkeley
URL: http://www.escholarship.org/uc/item/1vs3q4v1
► In this dissertation, I analyze behavior of two types of financial intermediaries that play critical roles in capital allocation: ratings agencies and merger advisors. Each…
(more)
▼ In this dissertation, I analyze behavior of two types of financial intermediaries that play critical roles in capital allocation: ratings agencies and merger advisors. Each type of intermediary survives due to (assumed) informational advantages relative to firms and investors. In the following chapters, I analyze how differences in information between market participants and intermediaries lead to signaling behavior related to privately-observed quality. My results explain some seemingly-anomalous aspects of financial markets, and provide a framework for assessing the impact intermediaries can have on efficient capital allocation.In the first chapter, I examine whether rating agencies strategically manipulate the informativeness of bond ratings in response to competition from private lenders. I model a monopolistic rating agency that caters to a low-quality marginal customer with uninformative ratings. High-quality customers prefer informative ratings but are captive customers of the rating agency in the absence of competition from private lenders. With competition from private lenders, the rating agency uses informative ratings to keep high-quality customers in public markets. The model also suggests that the ratings sector dampens the impact of capital supply shocks, and offers a strategic pricing rationale for the controversial practice of issuing unsolicited credit ratings. In the second chapter, I test predictions of the model using a measure of informativeness based on the impact of unexpected ratings on a debt issuer's borrowing cost. I analyze two events that increased the relative supply of private vs. public lending: the temporary shutdown of the high-yield market in 1989 and legislation in 1994 that reduced barriers to interstate bank lending. After each event, I find that the informativeness of ratings increased for issuers whose relative supply of private vs. public capital increased most. In the third chapter, I analyze how acquiring firms select and pay advisors. I present a model in which an advisor with privately known quality screens targets (due diligence) and improves negotiation outcomes (bidding). When a transaction involves only bidding, advisors pool by offering fees contingent on a completed transaction. By contrast, a transaction involving due diligence can lead to a separating equilibrium and fixed fees. The model predicts that acquirers use advisor market share instead of stock return-based measures to select advisors when synergies are not observable, and that acquirers with better information about advisor quality pay higher fees. I argue that investors in leveraged buyouts are skilled in acquisitions, and find that they pay higher fees for both mergers and tender offers, controlling for assignment and deal characteristics. They are also less likely to include contingent fees than other acquirers. Results suggest skilled investors use private information about advisor ability to hire advisors, and do so primarily to screen targets rather than to improve negotiation outcomes.
Subjects/Keywords: Finance; Bank lending; Competition in lending; Credit ratings; Financial advisor; Mergers
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APA ·
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Export
to Zotero / EndNote / Reference
Manager
APA (6th Edition):
Ahmed, J. (2011). Essays on financial intermediation. (Thesis). University of California – Berkeley. Retrieved from http://www.escholarship.org/uc/item/1vs3q4v1
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Chicago Manual of Style (16th Edition):
Ahmed, Javed. “Essays on financial intermediation.” 2011. Thesis, University of California – Berkeley. Accessed April 17, 2021.
http://www.escholarship.org/uc/item/1vs3q4v1.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
MLA Handbook (7th Edition):
Ahmed, Javed. “Essays on financial intermediation.” 2011. Web. 17 Apr 2021.
Vancouver:
Ahmed J. Essays on financial intermediation. [Internet] [Thesis]. University of California – Berkeley; 2011. [cited 2021 Apr 17].
Available from: http://www.escholarship.org/uc/item/1vs3q4v1.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Council of Science Editors:
Ahmed J. Essays on financial intermediation. [Thesis]. University of California – Berkeley; 2011. Available from: http://www.escholarship.org/uc/item/1vs3q4v1
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
University of KwaZulu-Natal
16.
Govender, Ovayshea.
A critical examination of reckless and predatory lending and how the National Credit Act 34 of 2005 seeks to prevent these practices.
Degree: 2019, University of KwaZulu-Natal
URL: https://researchspace.ukzn.ac.za/handle/10413/18629
► The credit industry has evolved overtime in South Africa. In March 2006, the National Credit Act (hereafter NCA or the Act) was promulgated after repealing…
(more)
▼ The credit industry has evolved overtime in South Africa. In March 2006, the National Credit Act (hereafter NCA or the Act) was promulgated after repealing and replacing the Usury Act, Exemption Notices and the Credit Agreements Act as it was acknowledged that a single new credit act will regulate the credit industry. The purpose of the NCA as stated in Section 3 of the Act is to promote and advance the welfare of South Africans and to ensure that the credit industry is fair, transparent, effective and efficient. The Act seeks to promote responsible borrowing and discourage reckless credit granting.
This dissertation analyses the practices of reckless
lending and predatory
lending which are prevalent in the credit market. The aim is to discuss the NCA and see how it imposes strict laws and regulations in relation to the prohibition of these practices. These include adverse consequences for credit providers who are engaging in reckless
lending and predatory
lending.
Reckless credit
lending is new to South Africa and was only introduced when the NCA came into effect. The Act clearly identifies this practice. Although there is no primary definition provided for predatory
lending in the NCA, the Act prohibits practices that clearly constitute predatory
lending. The Act ensures that consumers would not be disadvantaged in the credit industry and also provides protection for credit providers if they properly follow the rules and regulations stated in the Act.
The NCA has been amended overtime and is in the process of being amended again. This dissertation will also consider the amendments that deal with the issues of reckless credit
lending and predatory
lending.
The practices of reckless
lending and predatory
lending are concepts that have caused difficulties in many economies which is why this dissertation will also provide a comparative analysis on laws in some of these jurisdictions in order to see how they deal with the practices of reckless
lending and predatory
lending.
Advisors/Committee Members: Woker, Tanya Ann. (advisor).
Subjects/Keywords: Reckless lending.; Predatory lending.; Credit market.; National Credit Act.; Credit granting.
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APA (6th Edition):
Govender, O. (2019). A critical examination of reckless and predatory lending and how the National Credit Act 34 of 2005 seeks to prevent these practices. (Thesis). University of KwaZulu-Natal. Retrieved from https://researchspace.ukzn.ac.za/handle/10413/18629
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Chicago Manual of Style (16th Edition):
Govender, Ovayshea. “A critical examination of reckless and predatory lending and how the National Credit Act 34 of 2005 seeks to prevent these practices.” 2019. Thesis, University of KwaZulu-Natal. Accessed April 17, 2021.
https://researchspace.ukzn.ac.za/handle/10413/18629.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
MLA Handbook (7th Edition):
Govender, Ovayshea. “A critical examination of reckless and predatory lending and how the National Credit Act 34 of 2005 seeks to prevent these practices.” 2019. Web. 17 Apr 2021.
Vancouver:
Govender O. A critical examination of reckless and predatory lending and how the National Credit Act 34 of 2005 seeks to prevent these practices. [Internet] [Thesis]. University of KwaZulu-Natal; 2019. [cited 2021 Apr 17].
Available from: https://researchspace.ukzn.ac.za/handle/10413/18629.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Council of Science Editors:
Govender O. A critical examination of reckless and predatory lending and how the National Credit Act 34 of 2005 seeks to prevent these practices. [Thesis]. University of KwaZulu-Natal; 2019. Available from: https://researchspace.ukzn.ac.za/handle/10413/18629
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
NSYSU
17.
Chang, Li-Yu.
Research on the Development of P2P Financial Loan in Taiwan - Analysis of Related Issues.
Degree: Master, Finance, 2017, NSYSU
URL: http://etd.lib.nsysu.edu.tw/ETD-db/ETD-search/view_etd?URN=etd-0506117-202443
► Fintech has been booming recently. Fintech has across many dimensions, which this study is focusing on P2P lending. P2P lending platform replaces the traditional financial…
(more)
▼ Fintech has been booming recently. Fintech has across many dimensions, which this study is focusing on P2P
lending. P2P
lending platform replaces the traditional financial institutionsâ role that can matches up the borrowers and the lenders directly and reduces transaction costs. It is different from the traditional financial institution's business model, providing a new borrowing way for the borrowers who can not get bank loans.
This study specifically selected those rapid developing countries, which are the United Kingdom, the United State of America and China to explore. The first P2P
lending platform was launched in United Kingdom, due to the effective supervisory of regulators and self -discipline, had lead the P2P
lending platforms grown steadily in UK. Securities and Exchange Commission(SEC) required that P2P
lending companies to register their offerings as securities in USA. This requirement makes the flow of P2P
lending platforms more transparent in the USA. What is more, P2P
lending platforms were growing rapidly because of the loose regulations in China, not only resulting in a rapid growth in the number of P2P
lending platforms, but also there are numerous negative issues occurred.
From the experience of foreign development, P2P
lending will be able to improve the underground economy, in order to provide faster and easier ways to borrow and the diversification of risks. Though the poor management of the platform, adverse selection and information will make the security become vulnerable.
Therefore, this study suggests that if P2P
lending platform are going to be launched in Taiwan, Taiwan has to have a complete credit database as its necessary basis and coupled with the regulation and a supervisory environment with self -discipline for further development.
Advisors/Committee Members: Chang-yung Liu (chair), Yue-Shan Chang (committee member), Pei-how Huang (chair).
Subjects/Keywords: Fintech; P2P Lending; borrower; lender; regulations
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APA (6th Edition):
Chang, L. (2017). Research on the Development of P2P Financial Loan in Taiwan - Analysis of Related Issues. (Thesis). NSYSU. Retrieved from http://etd.lib.nsysu.edu.tw/ETD-db/ETD-search/view_etd?URN=etd-0506117-202443
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Chicago Manual of Style (16th Edition):
Chang, Li-Yu. “Research on the Development of P2P Financial Loan in Taiwan - Analysis of Related Issues.” 2017. Thesis, NSYSU. Accessed April 17, 2021.
http://etd.lib.nsysu.edu.tw/ETD-db/ETD-search/view_etd?URN=etd-0506117-202443.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
MLA Handbook (7th Edition):
Chang, Li-Yu. “Research on the Development of P2P Financial Loan in Taiwan - Analysis of Related Issues.” 2017. Web. 17 Apr 2021.
Vancouver:
Chang L. Research on the Development of P2P Financial Loan in Taiwan - Analysis of Related Issues. [Internet] [Thesis]. NSYSU; 2017. [cited 2021 Apr 17].
Available from: http://etd.lib.nsysu.edu.tw/ETD-db/ETD-search/view_etd?URN=etd-0506117-202443.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Council of Science Editors:
Chang L. Research on the Development of P2P Financial Loan in Taiwan - Analysis of Related Issues. [Thesis]. NSYSU; 2017. Available from: http://etd.lib.nsysu.edu.tw/ETD-db/ETD-search/view_etd?URN=etd-0506117-202443
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Cornell University
18.
Temesvary, Judit.
Some Determinants Of Commercial Bank Behavior.
Degree: PhD, Economics, 2011, Cornell University
URL: http://hdl.handle.net/1813/30674
► The central theme of this dissertation is commercial bank behavior. Following the introduction in Chapter 1, Chapter 2 examines U.S. banks' choices of foreign activities.…
(more)
▼ The central theme of this dissertation is commercial bank behavior. Following the introduction in Chapter 1, Chapter 2 examines U.S. banks' choices of foreign activities. Chapter 3 analyzes Hungarian commercial banks' branch network and interest rate choices. Specifically, Chapter 2 relies on a theoretical model and estimation to examine how banks' scope of operations and size, and various host market characteristics, determine banks' choices of foreign market entry/exit, and foreign loan/deposit quantities. Applying the Bajari, Benkard, and Levin (2007) two-step estimation method, the determinants of the optimal foreign loan and deposit choices are estimated in the first stage. The results (1) confirm the presence of and correct for significant selection bias arising from the correlation in banks' entry and loan volume choices; (2) show different sensitivities of cross-border and affiliate loans to market and bank traits, and (3) characterize the role of bank scope in bank behavior. In the second stage, forward simulation is used to estimate banks' and regulators' risk aversion parameters, the fixed foreign market entry costs and scrap (liquidation) values. Results show that entry costs are higher in inefficient and profitable markets with greater entry barriers and stronger government presence in banking. Scrap values move together with entry costs, and regulators are more risk averse than banks. Regulatory risk aversion is greater in inefficient markets with stricter regulations and lower enforcement power. The chapter concludes with simulation exercises that describe the strong discouraging impact of regulations on U.S. banks' foreign participation. Chapter 3 examines the dynamic behavior of imperfectly competitive Hungarian banks. The chapter consists of a theoretical model and empirical analysis. A simulation-based estimation method is applied to bank-level data to estimate the impact of bank and market traits on optimal interest rate and branch network expansion choices. Estimation results confirm the importance of branch network competition. Furthermore, branch setup cost and scrap value estimates are high, and strongly positively correlated with each other and with relevant producer price indices. Chapter 3 concludes with various simulation exercises, finding a strong impact of competitors' branch network size on bank behavior.
Advisors/Committee Members: Shell, Karl (chair), Jakubson, George Hersh (committee member), Kiefer, Nicholas Maximillian (committee member).
Subjects/Keywords: International Banking; Commercial Banks; Bank Lending
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Manager
APA (6th Edition):
Temesvary, J. (2011). Some Determinants Of Commercial Bank Behavior. (Doctoral Dissertation). Cornell University. Retrieved from http://hdl.handle.net/1813/30674
Chicago Manual of Style (16th Edition):
Temesvary, Judit. “Some Determinants Of Commercial Bank Behavior.” 2011. Doctoral Dissertation, Cornell University. Accessed April 17, 2021.
http://hdl.handle.net/1813/30674.
MLA Handbook (7th Edition):
Temesvary, Judit. “Some Determinants Of Commercial Bank Behavior.” 2011. Web. 17 Apr 2021.
Vancouver:
Temesvary J. Some Determinants Of Commercial Bank Behavior. [Internet] [Doctoral dissertation]. Cornell University; 2011. [cited 2021 Apr 17].
Available from: http://hdl.handle.net/1813/30674.
Council of Science Editors:
Temesvary J. Some Determinants Of Commercial Bank Behavior. [Doctoral Dissertation]. Cornell University; 2011. Available from: http://hdl.handle.net/1813/30674
Universidade Nova
19.
Gonçalves, Jorge Diogo Barreiros.
Bank capital and stock performance around the subprime lending risis.
Degree: 2013, Universidade Nova
URL: http://www.rcaap.pt/detail.jsp?id=oai:run.unl.pt:10362/11598
► A Work Project, presented as part of the requirements for the Award of a Masters Degree in Finance from the NOVA – School of Business…
(more)
▼ A Work Project, presented as part of the requirements for the Award of a Masters Degree in Finance from the NOVA – School of Business and Economics
This empirical study observes the relationship between bank capital and stock performance when an unexpected negative shock materializes to bank value. The analysis covers the three months after the collapse of Lehman Brothers on the 15th September 2008, using the holding period stock return as the dependent variable. With data from the US largest commercial banking and saving and loans institutions, we constructed a multiple regression model and performed several estimations using different definitions of bank capital. Our conclusions are consistent with the premise that better capitalized banks are in a better position to withstand the negative impacts of a disruptive financial event, such as the Lehman collapse, and therefore are susceptible to smaller stock price declines. We also find evidence that simpler and more conservative capital ratios are perceived by equity market participants as more accurate measures of bank health relative to regulatory risk based ratios. Therefore, our results provide support to the inclusion of simpler capital ratios that rely on balance sheet information to bank regulatory frameworks.
Advisors/Committee Members: Ferreira, Miguel.
Subjects/Keywords: Bank capital; Subprime lending crisis; moral hazard
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APA (6th Edition):
Gonçalves, J. D. B. (2013). Bank capital and stock performance around the subprime lending risis. (Thesis). Universidade Nova. Retrieved from http://www.rcaap.pt/detail.jsp?id=oai:run.unl.pt:10362/11598
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Chicago Manual of Style (16th Edition):
Gonçalves, Jorge Diogo Barreiros. “Bank capital and stock performance around the subprime lending risis.” 2013. Thesis, Universidade Nova. Accessed April 17, 2021.
http://www.rcaap.pt/detail.jsp?id=oai:run.unl.pt:10362/11598.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
MLA Handbook (7th Edition):
Gonçalves, Jorge Diogo Barreiros. “Bank capital and stock performance around the subprime lending risis.” 2013. Web. 17 Apr 2021.
Vancouver:
Gonçalves JDB. Bank capital and stock performance around the subprime lending risis. [Internet] [Thesis]. Universidade Nova; 2013. [cited 2021 Apr 17].
Available from: http://www.rcaap.pt/detail.jsp?id=oai:run.unl.pt:10362/11598.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Council of Science Editors:
Gonçalves JDB. Bank capital and stock performance around the subprime lending risis. [Thesis]. Universidade Nova; 2013. Available from: http://www.rcaap.pt/detail.jsp?id=oai:run.unl.pt:10362/11598
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
University of Delaware
20.
Xu, Yichen.
The importance of brick-and-mortar bank offices: evidence from small business and home mortgage lending, 1998-2016.
Degree: PhD, University of Delaware, Department of Economics, 2018, University of Delaware
URL: http://udspace.udel.edu/handle/19716/23925
► This paper studies the effect of bank branch closures on lending in the Digital Age. Previous studies found that bank branch closings have either no…
(more)
▼ This paper studies the effect of bank branch closures on
lending in the Digital Age. Previous studies found that bank branch closings have either no effect or small negative impact on small business
lending especially in the low-to-moderate income (LMI) communities. However, decisions to close bank branches are not random and are likely related to local business conditions. As a solution to this endogeneity, and building on work by Nguyen (2018), I use mergers between two large banks with no less than $10B in pre-merger assets with overlapping branching networks as a source of exogenous variation. Using instrumental variable methods, I find that branch closures significantly reduce small business
lending (22% reduction in total volume) even in areas with alternative local branches. The total volume of mortgage
lending is unaffected. These findings contribute to the debate about the importance of relationship
lending, suggesting that physical branches will continue to play an important role mitigating informational asymmetries inherently present in small business
lending.
Advisors/Committee Members: Gorbachev, Olga.
Subjects/Keywords: Social sciences; Bank branches; CRA; HMDA; Lending
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Manager
APA (6th Edition):
Xu, Y. (2018). The importance of brick-and-mortar bank offices: evidence from small business and home mortgage lending, 1998-2016. (Doctoral Dissertation). University of Delaware. Retrieved from http://udspace.udel.edu/handle/19716/23925
Chicago Manual of Style (16th Edition):
Xu, Yichen. “The importance of brick-and-mortar bank offices: evidence from small business and home mortgage lending, 1998-2016.” 2018. Doctoral Dissertation, University of Delaware. Accessed April 17, 2021.
http://udspace.udel.edu/handle/19716/23925.
MLA Handbook (7th Edition):
Xu, Yichen. “The importance of brick-and-mortar bank offices: evidence from small business and home mortgage lending, 1998-2016.” 2018. Web. 17 Apr 2021.
Vancouver:
Xu Y. The importance of brick-and-mortar bank offices: evidence from small business and home mortgage lending, 1998-2016. [Internet] [Doctoral dissertation]. University of Delaware; 2018. [cited 2021 Apr 17].
Available from: http://udspace.udel.edu/handle/19716/23925.
Council of Science Editors:
Xu Y. The importance of brick-and-mortar bank offices: evidence from small business and home mortgage lending, 1998-2016. [Doctoral Dissertation]. University of Delaware; 2018. Available from: http://udspace.udel.edu/handle/19716/23925
Karlstad University
21.
Karilainen, Miia.
Usefulness of Financial Accounting Information in Commercial Lending : By Banks in Sweden.
Degree: Communication and IT, 2014, Karlstad University
URL: http://urn.kb.se/resolve?urn=urn:nbn:se:kau:diva-32560
► Recent research has focused more on the needs and usage of accounting information in favor of its investors. Hence, there has been less attention…
(more)
▼ Recent research has focused more on the needs and usage of accounting information in favor of its investors. Hence, there has been less attention towards creditors’ information needs. Additionally, it has been criticized that accounting information has lost its relevance to its users (Francis & Schipper 1999; Hail 2013). As Allen and Cote (2005) stated, it is hard to make any improvements to financial reporting if creditors’ decision making behavior is not well investigated. Thus, the aim of this research is to narrow the gap between studies concerning the information needs and usefulness of accounting information among creditors and investors. In addition, the companies in Sweden are financing their operation by issuing debt rather than equity, which increases the importance to consider creditors’ information needs, and how useful accounting information is to them (Billings & Morton 2002; Ewing & Bhatia 2012). The data was collected through questionnaire surveys which were sent out to the branch managers of the biggest commercial banks in Sweden. The questionnaire was mainly based on questions that used five point likert-scale. Additionally, a few open questions were included. Overall, the results of this thesis indicate the consistency with recent research. The importance of accounting information is significant, and practically all three main statements; balance sheet, income statement and cash flow statement, can be regarded to be complementary. An obvious difference is in the usage of financial statements compared to other information sources, as respondents claim to use accounting information nearly all the time when other sources were significantly less used.
Subjects/Keywords: Financial Reporting; Accounting Information; Commercial Lending
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Manager
APA (6th Edition):
Karilainen, M. (2014). Usefulness of Financial Accounting Information in Commercial Lending : By Banks in Sweden. (Thesis). Karlstad University. Retrieved from http://urn.kb.se/resolve?urn=urn:nbn:se:kau:diva-32560
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Chicago Manual of Style (16th Edition):
Karilainen, Miia. “Usefulness of Financial Accounting Information in Commercial Lending : By Banks in Sweden.” 2014. Thesis, Karlstad University. Accessed April 17, 2021.
http://urn.kb.se/resolve?urn=urn:nbn:se:kau:diva-32560.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
MLA Handbook (7th Edition):
Karilainen, Miia. “Usefulness of Financial Accounting Information in Commercial Lending : By Banks in Sweden.” 2014. Web. 17 Apr 2021.
Vancouver:
Karilainen M. Usefulness of Financial Accounting Information in Commercial Lending : By Banks in Sweden. [Internet] [Thesis]. Karlstad University; 2014. [cited 2021 Apr 17].
Available from: http://urn.kb.se/resolve?urn=urn:nbn:se:kau:diva-32560.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Council of Science Editors:
Karilainen M. Usefulness of Financial Accounting Information in Commercial Lending : By Banks in Sweden. [Thesis]. Karlstad University; 2014. Available from: http://urn.kb.se/resolve?urn=urn:nbn:se:kau:diva-32560
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
University of Oregon
22.
Cuffe, Harold.
Three Essays in Labor Economics.
Degree: PhD, Department of Economics, 2013, University of Oregon
URL: http://hdl.handle.net/1794/13286
► This dissertation contains three essays on topics including crime, credit constraints, education, athletics and health. Tying the works together is a set of empirical tools…
(more)
▼ This dissertation contains three essays on topics including crime, credit constraints, education, athletics and health. Tying the works together is a set of empirical tools that have come to define the field of labor economics and the pursuit of causal inference.
Chapter II contains an analysis of the effects of a school-based incentive program on children's exercise habits. The program offers children an opportunity to win prizes if they walk or bike to school during prize periods. I use daily child-level data and individual fixed effects models to measure the impact of the prizes by comparing behavior during prize periods with behavior during non-prize periods. Variation in the timing of prize periods across different schools allows me to estimate models with calendar-date fixed effects to control for day-specific attributes, such as weather and proximity to holidays.
In Chapter III, I present evidence of the causal effects on crime of access to small, high cost, short term consumer credit, known as payday
lending. Using within-state geographic as well as inter-temporal variation in access to payday loans, I estimate the effect of access to payday
lending on all types of crime. I find a substantial effect only for financially motivated offenses, with access to payday
lending leading to approximately five additional arrests per 100,000 residents monthly. The estimated effects are concentrated in larceny, fraud, and forgery.
The final chapter turns back to education to assess high school athletics' role in affecting athletes' attendance patterns. The key result that emerges from the analysis is that in-season athletes miss significantly less school relative to athletes out-of-season. School absences in boys decline by nearly 8% as a result of being in-season, though the effects are much larger for black boys, particularly with respect to unexcused absences.
Paying careful attention to issues of identification, this dissertation presents three essays contributing to the literature broadly categorized as labor economics. Each seeks to understand the role of changing incentives and opportunities on individuals' decision making processes, in order to inform policy makers wishing to craft effective public policies.
This dissertation includes previously published co-authored material.
Advisors/Committee Members: Lindo, Jason (advisor).
Subjects/Keywords: Athletics; Crime; Education; Health; Payday Lending; Truancy
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Manager
APA (6th Edition):
Cuffe, H. (2013). Three Essays in Labor Economics. (Doctoral Dissertation). University of Oregon. Retrieved from http://hdl.handle.net/1794/13286
Chicago Manual of Style (16th Edition):
Cuffe, Harold. “Three Essays in Labor Economics.” 2013. Doctoral Dissertation, University of Oregon. Accessed April 17, 2021.
http://hdl.handle.net/1794/13286.
MLA Handbook (7th Edition):
Cuffe, Harold. “Three Essays in Labor Economics.” 2013. Web. 17 Apr 2021.
Vancouver:
Cuffe H. Three Essays in Labor Economics. [Internet] [Doctoral dissertation]. University of Oregon; 2013. [cited 2021 Apr 17].
Available from: http://hdl.handle.net/1794/13286.
Council of Science Editors:
Cuffe H. Three Essays in Labor Economics. [Doctoral Dissertation]. University of Oregon; 2013. Available from: http://hdl.handle.net/1794/13286
University of Waikato
23.
Mazahrih, Basman Jalal Saeed.
Incorporation of Environmental Issues into Banks’ Lending Decisions
.
Degree: 2011, University of Waikato
URL: http://hdl.handle.net/10289/5885
► This thesis examines commercial banks’ practice pertaining to the integration of environmental issues into their lending activities. There is evidence that over the last few…
(more)
▼ This thesis examines commercial banks’ practice pertaining to the integration of environmental issues into their
lending activities. There is evidence that over the last few decades some banks have considered the environmental impact of borrower activities as part of credit risk assessment and management. A number of academic surveys have identified a positive correlation between the environmental and financial performance of companies. These developments influence the level of bank support for responsible environmental management. For most commercial banks loans are a large percentage of assets. Hence appropriate management of loans is a priority for bank management, shareholders and other interested people. Traditionally, banks use financial instruments to measure the efficiency of their
lending decisions and to ensure that payments are made on time. However, each
lending operation may involve environmental risks. Adverse environmental outcomes may result in a reduction in the borrowers’ repayment capacity, a decline in the value of the collateral, a direct bank liability for environmental damage caused by its borrowing clients and potential risks to the bank’s reputation. For each of these risks the bank can determine the likelihood, extent, cost and impact should the damage actually occur. Bank
lending occurs in a wider economic and social context of strategic importance for banks. Society’s quest for sustainable development involves the creation of new financing markets, such as markets for sustainable energy, water purification equipment, products for the financing of companies’ climate policies and groundbreaking technology. Banks can fulfil the role of a traditional financial intermediary or can step into this growing market to develop specific new products such as environmental loans. This market is rich in challenges and opportunities. Hence, it is crucial that banks have appropriate indicators to help them and stakeholders monitor performance. Against this background, this study investigates the practice of incorporating environmental issues into banks’
lending decisions, utilizing Westpac as a case study. Qualitative and quantitative research approaches were adopted. A mixed method of data collection was used, consisting of an analysis of annual reports, semi-structured interview and a survey questionnaire. The Westpac study is used to develop and test an environmental sustainability framework to analyse the incorporation of environmental issues into
lending decisions by financial institutions. The results from the research provide some evidence that Westpac incorporates environmental issues into
lending decisions and is aware of environmental risks and opportunities. At the operational level, the bank assesses environmental risks before approving loans and finances projects with high environmental benefits. With regard to motivational drivers, the findings indicate that the bank’s incorporation of environmental issues into
lending decisions is motivated by multiple reasons: managerial, financial and…
Advisors/Committee Members: Scrimgeour, Frank (advisor).
Subjects/Keywords: lending decisions;
environmental issues;
commercial banks
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Export
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Manager
APA (6th Edition):
Mazahrih, B. J. S. (2011). Incorporation of Environmental Issues into Banks’ Lending Decisions
. (Doctoral Dissertation). University of Waikato. Retrieved from http://hdl.handle.net/10289/5885
Chicago Manual of Style (16th Edition):
Mazahrih, Basman Jalal Saeed. “Incorporation of Environmental Issues into Banks’ Lending Decisions
.” 2011. Doctoral Dissertation, University of Waikato. Accessed April 17, 2021.
http://hdl.handle.net/10289/5885.
MLA Handbook (7th Edition):
Mazahrih, Basman Jalal Saeed. “Incorporation of Environmental Issues into Banks’ Lending Decisions
.” 2011. Web. 17 Apr 2021.
Vancouver:
Mazahrih BJS. Incorporation of Environmental Issues into Banks’ Lending Decisions
. [Internet] [Doctoral dissertation]. University of Waikato; 2011. [cited 2021 Apr 17].
Available from: http://hdl.handle.net/10289/5885.
Council of Science Editors:
Mazahrih BJS. Incorporation of Environmental Issues into Banks’ Lending Decisions
. [Doctoral Dissertation]. University of Waikato; 2011. Available from: http://hdl.handle.net/10289/5885
University of Florida
24.
Velioglu, Guner.
Essays in Financial Economics and Private Information.
Degree: PhD, Business Administration - Finance, Insurance and Real Estate, 2019, University of Florida
URL: https://ufdc.ufl.edu/UFE0054202
This dissertation examines two related topics in financial economics. Specifically, the core idea that motivates both chapters is the role of private information in explaining pricing of credit risk and corporate decisions.
Advisors/Committee Members: James,Christopher (committee chair), Nimalendran,Mahendrarajah (committee member), Aytug,Haldun (committee member).Subjects/Keywords: bank – information – lending – loan – pricing – private
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Chicago ·
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Manager
APA (6th Edition):
Velioglu, G. (2019). Essays in Financial Economics and Private Information. (Doctoral Dissertation). University of Florida. Retrieved from https://ufdc.ufl.edu/UFE0054202
Chicago Manual of Style (16th Edition):
Velioglu, Guner. “Essays in Financial Economics and Private Information.” 2019. Doctoral Dissertation, University of Florida. Accessed April 17, 2021.
https://ufdc.ufl.edu/UFE0054202.
MLA Handbook (7th Edition):
Velioglu, Guner. “Essays in Financial Economics and Private Information.” 2019. Web. 17 Apr 2021.
Vancouver:
Velioglu G. Essays in Financial Economics and Private Information. [Internet] [Doctoral dissertation]. University of Florida; 2019. [cited 2021 Apr 17].
Available from: https://ufdc.ufl.edu/UFE0054202.
Council of Science Editors:
Velioglu G. Essays in Financial Economics and Private Information. [Doctoral Dissertation]. University of Florida; 2019. Available from: https://ufdc.ufl.edu/UFE0054202
University of Southern California
25.
Xie, Biqin.
Does fair value accounting exacerbate the pro-cyclicality of
bank lending?.
Degree: PhD, Accounting, 2012, University of Southern California
URL: http://digitallibrary.usc.edu/cdm/compoundobject/collection/p15799coll3/id/49714/rec/2089
► This paper examines whether fair value accounting increases the pro-cyclicality of banks’ lending behavior. Exploiting cross-sectional variation in individual banks’ exposure to fair value accounting,…
(more)
▼ This paper examines whether fair value accounting
increases the pro-cyclicality of banks’
lending behavior.
Exploiting cross-sectional variation in individual banks’ exposure
to fair value accounting, I find that fair value accounting does
not exacerbate the pro-cyclicality of bank
lending over the past
two business cycles during 1995-2010. This result holds despite the
fact that every one dollar of unrealized gains (losses) is
associated with at least 12 cents of new
lending (cutbacks in
lending). The probable cause of this non-exacerbation finding is
that interest rates rise (fall) during some of the expansionary
(recessionary) periods, resulting in movements of bank assets’ fair
value that are not pro-cyclical.
Advisors/Committee Members: Subramanyam, K.R. (Committee Chair), DeFond, Mark L. (Committee Member), Zhang, Jieying (Committee Member), Nugent, Jeffrey B. (Committee Member).
Subjects/Keywords: fair value accounting; bank lending; pro-cyclicality
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APA (6th Edition):
Xie, B. (2012). Does fair value accounting exacerbate the pro-cyclicality of
bank lending?. (Doctoral Dissertation). University of Southern California. Retrieved from http://digitallibrary.usc.edu/cdm/compoundobject/collection/p15799coll3/id/49714/rec/2089
Chicago Manual of Style (16th Edition):
Xie, Biqin. “Does fair value accounting exacerbate the pro-cyclicality of
bank lending?.” 2012. Doctoral Dissertation, University of Southern California. Accessed April 17, 2021.
http://digitallibrary.usc.edu/cdm/compoundobject/collection/p15799coll3/id/49714/rec/2089.
MLA Handbook (7th Edition):
Xie, Biqin. “Does fair value accounting exacerbate the pro-cyclicality of
bank lending?.” 2012. Web. 17 Apr 2021.
Vancouver:
Xie B. Does fair value accounting exacerbate the pro-cyclicality of
bank lending?. [Internet] [Doctoral dissertation]. University of Southern California; 2012. [cited 2021 Apr 17].
Available from: http://digitallibrary.usc.edu/cdm/compoundobject/collection/p15799coll3/id/49714/rec/2089.
Council of Science Editors:
Xie B. Does fair value accounting exacerbate the pro-cyclicality of
bank lending?. [Doctoral Dissertation]. University of Southern California; 2012. Available from: http://digitallibrary.usc.edu/cdm/compoundobject/collection/p15799coll3/id/49714/rec/2089
Universidad de Chile
26.
Inostroza Medina, Mario.
Funcionamiento de covenants en contratos de deuda en Chile, en presencia de related lending : caso SMU-CORPBANCA.
Degree: 2015, Universidad de Chile
URL: http://repositorio.uchile.cl/handle/2250/137623
► Los Mercados Financieros son fundamentales para promover la eficiencia económica, canalizando recursos desde quienes no los utilizan de manera productiva (personas que ahorran), hacia aquellos…
(more)
▼ Los Mercados Financieros son fundamentales para promover la eficiencia económica,
canalizando recursos desde quienes no los utilizan de manera productiva (personas
que ahorran), hacia aquellos que tienen oportunidades de inversión productiva y
carecen de los recursos necesarios.
Para que esta asignación de recursos sea hecha en forma eficiente debe existir
simetría de información entre las partes, de manera tal que los recursos financieros de
los ahorrantes sean asignados a las oportunidades de inversión más rentables, en
función del riesgo que los ahorrantes están dispuestos a asumir, maximizando de esta
manera la creación de valor a nivel de la economía como un todo, dada toda la
información relevante disponible.
Si lo anterior no se cumple, por la presencia de asimetrías de información entre las
partes, el proceso de asignación de recursos se verá negativamente afectado,
causando que los recursos de los ahorrantes nos sean asignados en forma eficiente a
las oportunidades de inversión con el perfil riesgo/retorno esperado.
Esta tesis persigue investigar el funcionamiento de cláusulas restrictivas en contratos
de deuda en Chile, poniendo foco en la efectividad de las mismas en presencia de
Related Lending.
El uso de covenants en contratos de deuda ayuda a reducir los Problemas de Agencia
al que se expone un banco, al canalizar recursos hacia un proyecto de inversión. Sin
embargo, asumiendo cláusulas restrictivas bien diseñadas: ¿qué sucede cuándo el
préstamo se realiza a una empresa relacionada con un directivo o accionista
controlador del banco?, ¿son los covenants igualmente efectivos en reducir el riesgo
moral?
Existe un debate en la literatura económica respecto del impacto de los préstamos
realizados a entidades relacionadas en el desarrollo del sistema bancario:
I. Una perspectiva argumenta que los conflictos de interés existentes entre las partes,
conducen a que el “related lending”, o también llamado “insider lending”, se
transforme en un mecanismo para expropiar recursos por parte de los “insiders”
(directores y/o controladores del banco), a los “outsiders” (depositantes,
accionistas minoritarios y/o contribuyentes de impuestos cuando existe seguro a los
depósitos).
Esta visión conocida en la literatura como “looting view”, recibe considerable apoyo
en la literatura de crisis financiera en países menos desarrollados, al afirmar que los
incentivos de los “insiders” de expropiar a los “outsiders” son particularmente
fuertes en períodos de crisis económicas, cuando los “insiders” necesitan rescatar a
sus propias empresas.
II. La perspectiva contraria argumenta que los préstamos a empresas relacionadas
facilitan las transacciones financieras, promoviendo la eficiencia económica, al
reducir asimetrías de información extremas, a menudo presentes en economías
menos desarrolladas.
Esta visión conocida como “Information View”, plantea que el “related lending” al
solucionar las asimetrías de información existentes, crea mecanismos de monitoreo
de los prestatarios por parte de…
Subjects/Keywords: Mercado financiero – Chile; Related lending; Covenants
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Export
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Manager
APA (6th Edition):
Inostroza Medina, M. (2015). Funcionamiento de covenants en contratos de deuda en Chile, en presencia de related lending : caso SMU-CORPBANCA. (Thesis). Universidad de Chile. Retrieved from http://repositorio.uchile.cl/handle/2250/137623
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Chicago Manual of Style (16th Edition):
Inostroza Medina, Mario. “Funcionamiento de covenants en contratos de deuda en Chile, en presencia de related lending : caso SMU-CORPBANCA.” 2015. Thesis, Universidad de Chile. Accessed April 17, 2021.
http://repositorio.uchile.cl/handle/2250/137623.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
MLA Handbook (7th Edition):
Inostroza Medina, Mario. “Funcionamiento de covenants en contratos de deuda en Chile, en presencia de related lending : caso SMU-CORPBANCA.” 2015. Web. 17 Apr 2021.
Vancouver:
Inostroza Medina M. Funcionamiento de covenants en contratos de deuda en Chile, en presencia de related lending : caso SMU-CORPBANCA. [Internet] [Thesis]. Universidad de Chile; 2015. [cited 2021 Apr 17].
Available from: http://repositorio.uchile.cl/handle/2250/137623.
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
Council of Science Editors:
Inostroza Medina M. Funcionamiento de covenants en contratos de deuda en Chile, en presencia de related lending : caso SMU-CORPBANCA. [Thesis]. Universidad de Chile; 2015. Available from: http://repositorio.uchile.cl/handle/2250/137623
Note: this citation may be lacking information needed for this citation format:
Not specified: Masters Thesis or Doctoral Dissertation
27.
Lee, Anne M.
The Influence of Financial Institutions and Residential Lending on Neighborhood Crime.
Degree: PhD, Sociology/Criminal Justice, 2015, Old Dominion University
URL: 9781339868172
;
https://digitalcommons.odu.edu/sociology_criminaljustice_etds/32
► This research aimed to bridge a gap in the literature between banks, mortgage investment, and neighborhood crime. Specifically, the current research uses the political…
(more)
▼ This research aimed to bridge a gap in the literature between banks, mortgage investment, and neighborhood crime. Specifically, the current research uses the political economy approach to social disorganization theory (Bursik 1989) as a theoretical frame to understand the role of external investment on neighborhood levels of crime. This research was guided by several research questions that are derived from the prior literature on banks, mortgage
lending and crime. The primary research question was: How do banks affect neighborhood levels of crime? And secondly, how does residential
lending affect crime?
These questions are investigated by combining several sources of available data. Crime data for 2012, 2008, and 2006 from Norfolk and Virginia Beach, Virginia were acquired from the respective police departments. The data consisted of crimes known to the police and the addresses of the general locations where the crimes occurred. The mortgage
lending data was from the Federal Financial Institutions Examination Council website, which was established by the Home Mortgage Disclosure Act. The third source of data was gathered from the
Polk City Directories, which had the addresses of the banks. Lastly, the 2000 Census was used to create several control variables such as scales for residential instability and socioeconomic disadvantage that are included in the analyses.
Negative binominal regression, with the inclusion of spatial lags for the crime and mortgage variables, was the method of analysis. Negative binominal regression is commonly used in criminological research when the dependent variable is a count rather than a rate. Spatial analysis was included because it has emerged as an important component of understanding neighborhood characteristics and levels of crime.
The findings indicated that banks and
lending do have an effect on neighborhood levels of crime. It was theorized that banks, either having one in the neighborhood or one nearby, would have a positive effect on neighborhoods. However the results indicate that banks are associated with increases in violent crime and acts of vandalism. For residential
lending the findings support prior research that increases in loan dollars to neighborhoods is associated with decreases in violent crime.
Advisors/Committee Members: Ruth A. Triplett, Randy R. Gainey, Brent Teasdale.
Subjects/Keywords: Neighborhood Crime; Residential lending; Spatial analysis; Criminology
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APA ·
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Manager
APA (6th Edition):
Lee, A. M. (2015). The Influence of Financial Institutions and Residential Lending on Neighborhood Crime. (Doctoral Dissertation). Old Dominion University. Retrieved from 9781339868172 ; https://digitalcommons.odu.edu/sociology_criminaljustice_etds/32
Chicago Manual of Style (16th Edition):
Lee, Anne M. “The Influence of Financial Institutions and Residential Lending on Neighborhood Crime.” 2015. Doctoral Dissertation, Old Dominion University. Accessed April 17, 2021.
9781339868172 ; https://digitalcommons.odu.edu/sociology_criminaljustice_etds/32.
MLA Handbook (7th Edition):
Lee, Anne M. “The Influence of Financial Institutions and Residential Lending on Neighborhood Crime.” 2015. Web. 17 Apr 2021.
Vancouver:
Lee AM. The Influence of Financial Institutions and Residential Lending on Neighborhood Crime. [Internet] [Doctoral dissertation]. Old Dominion University; 2015. [cited 2021 Apr 17].
Available from: 9781339868172 ; https://digitalcommons.odu.edu/sociology_criminaljustice_etds/32.
Council of Science Editors:
Lee AM. The Influence of Financial Institutions and Residential Lending on Neighborhood Crime. [Doctoral Dissertation]. Old Dominion University; 2015. Available from: 9781339868172 ; https://digitalcommons.odu.edu/sociology_criminaljustice_etds/32
University of New South Wales
28.
Zhang, Long.
Integrating Human Capital Analysis into Small Business Lending in China.
Degree: Management, 2017, University of New South Wales
URL: http://handle.unsw.edu.au/1959.4/57212
;
https://unsworks.unsw.edu.au/fapi/datastream/unsworks:42852/SOURCE02?view=true
► This thesis enquires into how small business loan applicants’ ‘social life human capital’ is embedded in and influences the dynamic lending process. ‘Social life human…
(more)
▼ This thesis enquires into how small business loan applicants’ ‘social life human capital’ is embedded in and influences the dynamic
lending process. ‘Social life human capital’ is a new concept developed in this dissertation, to refer to elements of human capital that manifest in an individual’s social context. These elements are empirically demonstrated in this study as being key factors in the dynamic process of financial
lending to small business in China. The thesis argues that human capital research has concentrated too heavily on individuals’ knowledge, abilities and skills (KSAs) that manifest at work, which this thesis refers to as ‘workplace human capital’. By distinguishing social life human capital from workplace human capital, it proposes that to achieve a more holistic understanding of human capital, it is important to adopt a more integrated perspective that includes the influences from both individuals’ work and social contexts. The research entailed 60 interviews, four focus-groups, around two months of ethnographical work—including one month non-participant observation as an observer, plus one month participant observation (that is of being a loan officer myself)—and some archival data. These data were collected and analysed using Nvivo 10. Adopting multiple qualitative methods from triangulated data sources, the thesis finds that due to the macro context of lacking sufficient public credit information system, and the micro context of lacking ample collateral, well-structured HR systems, or sufficient financial data from small borrowing firms, small business loan officers seek to qualitatively understand the firm’s key person’s (i.e., the ‘actual controller’ or AC) ‘social life human capital’. Moreover, the small business loan officers seek to understand and make sense of a small business AC’s holistic (especially social life) human capital through their interpersonal interplay with the AC and the AC’s ‘quanzi’ (i.e., social networking), rather than narrowly measuring or quantifying the AC’s workplace KSAs.The thesis further identifies small business
lending in China as a dynamic process and discusses its two essential characteristics. First, the
lending process is found to be an ongoing interaction and relationship between loan-related staff and small business borrowers, and among various loan-related staff within the bank. Second, both the understanding of the small business AC’s social life human capital and the
lending process per se are nested in, and contingent on, a wide range of macro, meso and micro factors. Thus, the qualitative findings in this research extend the small business
lending literature by theorising small business
lending as an ongoing, dynamic and multi-directional process; whereas previous research implies that small business
lending is a one-off, static and unidirectional binary (approval or rejection) loan decision-making.By exploring how a loan applicant’s social life human capital is situated and understood in the dynamic social context and
lending process, the thesis…
Advisors/Committee Members: Hampson, Ian, Management, Australian School of Business, UNSW, O'Donnell, Loretta, Nazarbayev University.
Subjects/Keywords: Qualitative Research; Human Capital; Small Business Lending
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APA ·
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APA (6th Edition):
Zhang, L. (2017). Integrating Human Capital Analysis into Small Business Lending in China. (Doctoral Dissertation). University of New South Wales. Retrieved from http://handle.unsw.edu.au/1959.4/57212 ; https://unsworks.unsw.edu.au/fapi/datastream/unsworks:42852/SOURCE02?view=true
Chicago Manual of Style (16th Edition):
Zhang, Long. “Integrating Human Capital Analysis into Small Business Lending in China.” 2017. Doctoral Dissertation, University of New South Wales. Accessed April 17, 2021.
http://handle.unsw.edu.au/1959.4/57212 ; https://unsworks.unsw.edu.au/fapi/datastream/unsworks:42852/SOURCE02?view=true.
MLA Handbook (7th Edition):
Zhang, Long. “Integrating Human Capital Analysis into Small Business Lending in China.” 2017. Web. 17 Apr 2021.
Vancouver:
Zhang L. Integrating Human Capital Analysis into Small Business Lending in China. [Internet] [Doctoral dissertation]. University of New South Wales; 2017. [cited 2021 Apr 17].
Available from: http://handle.unsw.edu.au/1959.4/57212 ; https://unsworks.unsw.edu.au/fapi/datastream/unsworks:42852/SOURCE02?view=true.
Council of Science Editors:
Zhang L. Integrating Human Capital Analysis into Small Business Lending in China. [Doctoral Dissertation]. University of New South Wales; 2017. Available from: http://handle.unsw.edu.au/1959.4/57212 ; https://unsworks.unsw.edu.au/fapi/datastream/unsworks:42852/SOURCE02?view=true
29.
Brener, Alan.
Mortgage lending and macroprudential policy in the UK and US.
Degree: PhD, 2018, Queen Mary, University of London
URL: http://qmro.qmul.ac.uk/xmlui/handle/123456789/46027
;
https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.766231
► For many decades both UK and US politicians have encouraged homeownership supported by mortgage lending. Exuberant borrowing has fuelled housing booms and is central to…
(more)
▼ For many decades both UK and US politicians have encouraged homeownership supported by mortgage lending. Exuberant borrowing has fuelled housing booms and is central to many recent financial problems. As a consequence macroprudential policies have been developed to improve financial stability using a mixture of measures to deter excessive lending including loan-to-value and debt-to-income restrictions. This thesis considers macroprudential policymaking generally and, more specifically, this latter group of macroprudential measures. It concludes that it is unlikely that these measures can be used to any significant extent in western democracies. At its heart is their political legitimacy and the potential consequences for the institutions promulgating such policies since a major use of these limits would have a direct and very visible effect on home ownership aspirations. Further, the evidence indicates that these measures may well be ineffective. This thesis suggests that conduct of business regulatory policy and the use of mortgage affordability verification may be more effective. However, the successful employment these measures for macroprudential purposes may be hindered by the structure of UK financial services regulation. Moreover, there is a challenge in that historically, UK conduct of business regulation has often failed. Nevertheless, in the area of mortgage affordability, there may be opportunities to use innovative regulatory policies to reduce these risks going forward. Further, there may be lessons for the UK from the US's approach of using the concept of the "qualified mortgage" and, additionally, in considering the role of sound conduct of business policies such as those are used by the US Veterans Administration. Nevertheless, the failure to build sufficient homes over the last forty years is at the heart of UK financial instability. Macroprudential policy may have the unequal task of attempting to suppress house price booms. This raises political issues and highlights the constraints on macroprudential policy with limits on its ability to influence fiscal and socio-economic policy. This thesis seeks to influence the debate on what can be done to help to ensure financial stability.
Subjects/Keywords: 332.7; Law; Mortgage lending; macroprudential policies
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APA (6th Edition):
Brener, A. (2018). Mortgage lending and macroprudential policy in the UK and US. (Doctoral Dissertation). Queen Mary, University of London. Retrieved from http://qmro.qmul.ac.uk/xmlui/handle/123456789/46027 ; https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.766231
Chicago Manual of Style (16th Edition):
Brener, Alan. “Mortgage lending and macroprudential policy in the UK and US.” 2018. Doctoral Dissertation, Queen Mary, University of London. Accessed April 17, 2021.
http://qmro.qmul.ac.uk/xmlui/handle/123456789/46027 ; https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.766231.
MLA Handbook (7th Edition):
Brener, Alan. “Mortgage lending and macroprudential policy in the UK and US.” 2018. Web. 17 Apr 2021.
Vancouver:
Brener A. Mortgage lending and macroprudential policy in the UK and US. [Internet] [Doctoral dissertation]. Queen Mary, University of London; 2018. [cited 2021 Apr 17].
Available from: http://qmro.qmul.ac.uk/xmlui/handle/123456789/46027 ; https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.766231.
Council of Science Editors:
Brener A. Mortgage lending and macroprudential policy in the UK and US. [Doctoral Dissertation]. Queen Mary, University of London; 2018. Available from: http://qmro.qmul.ac.uk/xmlui/handle/123456789/46027 ; https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.766231
Rice University
30.
Mayer, Erik J.
Essays on Financial Institutions and Household Finance.
Degree: PhD, Business, 2018, Rice University
URL: http://hdl.handle.net/1911/105873
► This dissertation contains three chapters. In the first chapter, I examine the relationship between consolidation in the banking industry and economic mobility. I find that…
(more)
▼ This dissertation contains three chapters. In the first chapter, I examine the relationship between consolidation in the banking industry and economic mobility. I find that low income households face reduced credit access when local banks are large. This result appears to stem from large banks’ comparative disadvantage using soft information, which is particularly important for
lending to low income households. In contrast, I find that the size of local banks has little or no effect on high income households. Moreover, intergenerational economic mobility is lower in areas where banks are large, consistent with low income parents’ additional credit constraints limiting their investment in their children’s human capital.
In the second chapter, my co-authors and I examine how creditor-friendly repossession rights in auto
lending affect borrowers. The results show that bankruptcy rates among subprime auto borrowers increase twice as much following natural disasters in states with strong creditors’ rights compared to states with more borrower protection, suggesting that strong creditors’ rights exacerbate financial distress. Further tests show that auto repossessions also reduce borrowers’ future access to both collateralized and uncollateralized credit, showing that these creditor rights can have broad, negative effects on borrowers that extend beyond merely losing a collateralized asset.
The third chapter tests for
lending discrimination in the auto loan market using a novel dataset that combines individual credit bureau records with information on borrower race and ethnicity. I find that Black and Hispanic applicants face lower credit approval rates than White applicants with similar credit scores and incomes, especially when they live in a state where racial biases are more prevalent. When they receive an auto loan, minority borrowers pay higher interest rates than comparable White borrowers. Controlling for a broad set of loan and borrower characteristics, minority borrowers default less, consistent with these borrowers facing
lending discrimination.
Advisors/Committee Members: Butler, Alexander W (advisor).
Subjects/Keywords: banking; household finance; mobility; credit; lending; discrimination
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APA ·
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Manager
APA (6th Edition):
Mayer, E. J. (2018). Essays on Financial Institutions and Household Finance. (Doctoral Dissertation). Rice University. Retrieved from http://hdl.handle.net/1911/105873
Chicago Manual of Style (16th Edition):
Mayer, Erik J. “Essays on Financial Institutions and Household Finance.” 2018. Doctoral Dissertation, Rice University. Accessed April 17, 2021.
http://hdl.handle.net/1911/105873.
MLA Handbook (7th Edition):
Mayer, Erik J. “Essays on Financial Institutions and Household Finance.” 2018. Web. 17 Apr 2021.
Vancouver:
Mayer EJ. Essays on Financial Institutions and Household Finance. [Internet] [Doctoral dissertation]. Rice University; 2018. [cited 2021 Apr 17].
Available from: http://hdl.handle.net/1911/105873.
Council of Science Editors:
Mayer EJ. Essays on Financial Institutions and Household Finance. [Doctoral Dissertation]. Rice University; 2018. Available from: http://hdl.handle.net/1911/105873
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Open Access Theses and Dissertations
