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Items from 1 to 20 out of 522 results

article

The Credit‐Card‐Services Augmented Divisia Monetary Aggregates^*

WILLIAM A. BARNETT, MARCELLE CHAUVET, DANILO LEIVA‐LEON, LITING SU

Journal of Money, Credit and Banking > 56 > 5 > 1163 - 1202

While credit cards provide transaction services, they have never been included in measures of money supply. We derive the theory to measure the joint services of credit cards and money and propose two measures of their joint services: one based on microeconomic structural aggregation theory, providing an aggregated variable within the macroeconomy; the other a credit‐card‐extended aggregate, optimized...

article

The politics of distributing blame and credit: Evidence from a survey experiment with Norwegian local politicians

NANNA LAURITZ SCHÖNHAGE, MARTIN BÆKGAARD, BENNY GEYS

European Journal of Political Research > 63 > 2 > 599 - 620

How do politicians attribute responsibility for good and poor policy outcomes across multiple stakeholders in a policy field where they themselves can affect service provision? Such ‘diffusion’ decisions are crucial to understand the political calculations underlying the allocation of blame and credit by office‐holders. We study this issue using a between‐subjects survey experiment fielded among local...

article

Hot money inflows and bank risk‐taking: Germany from the 1920s to the Great Depression

Natacha Postel‐Vinay, Stéphanie Collet

The Economic History Review > 77 > 2 > 472 - 502

This paper explores the origins of German banks’ risk‐taking in the years preceding the 1931 crisis. The 1920s were marked by a large and prolonged increase in capital flows into Germany, chiefly from the United States and the United Kingdom. This coincided, at the individual bank level, with a rise in leverage and a fall in liquidity. We examine possible connections between the two phenomena. Our...

article

Debt‐based welfare: Debt‐to‐asset relationships across Black and White households in the United States

Raphaël Charron‐Chénier

Sociological Forum > 39 > 1 > 94 - 109

Under neoliberal social provision, debt has become a primary tool for US households to pursue economic mobility and manage risk. Borrowing supports financial and non‐financial investments that, in theory, should lead to lifetime income and asset gains from which debt can be repaid. Many scholars argue, however, that reliance on credit as a welfare tool significantly increases inequality, particularly...

article

Adapting to Climate Risk With Guaranteed Credit: Evidence From Bangladesh

Gregory Lane

Econometrica > 92 > 2 > 355 - 386

Climate change is increasing the frequency of extreme weather events, with low‐income countries being disproportionately impacted. However, these countries often face market frictions that hinder their ability to adopt effective adaptation strategies. In this paper, I explore the role of credit market failures in limiting adaptation. To achieve this, I collaborate with a large microfinance institution...

article

Credit Market Frictions and Coessentiality of Money and Credit

OHIK KWON, MANJONG LEE

Journal of Money, Credit and Banking > 56 > 1 > 257 - 278

We explore how credit market frictions matter for the coessentiality of money and credit. Limited commitment calls for credit limits that are tailored according to borrowers' productivity. Under an adverse selection problem caused by asymmetric information, however, lenders impose the credit limit of the low‐productivity borrower onto the high‐productivity borrower. If productivities differ sufficiently...

article

Credit - inequality nexus: the role of natural resources

Margaret Rutendo Magwedere

Economics and Environment > 2023 > No. 3 > 508--526

This article offers a contribution to the understanding of the links between credit, inequality and natural resources, using panel data from 2002 to 2021 for 31 countries. A system-generalised method of moments was employed to determine the dynamic relationship between the variables of the study. The findings of the study suggest inequality and natural resources have a negative and significant relationship...

article

The impact of financial development on house prices

Sefa Awaworyi Churchill, Kris Ivanovski, Kwabena Mintah, Quanda Zhang

The World Economy > 46 > 10 > 3154 - 3181

We examine the relationship between financial development and house prices in the Group of Seven (G7) countries over the period 1870–2016. We use parametric panel data models that incorporated interactive fixed effects and non‐parametric models that allow us to examine non‐linearities and the time‐varying nature of the relationship. Our parametric estimates show a positive relationship between financial...

article

The first author takes it all? Solutions for crediting authors more visibly, transparently, and free of bias

Myriam A. Baum, Moritz N. Braun, Alexander Hart, Véronique I. Huffer, more

British Journal of Social Psychology > 62 > 4 > 1605 - 1620

With the seventh edition of the publication manual of the American Psychological Association (APA), the APA style now prescribes bias‐free language and encourages accessibility even to non‐academic audiences. However, even with the newest guidelines, the way we credit authors in psychology remains anachronistic, intransparent, and prone to conflict. It still relies on a sequence‐determines‐credit...

article

Are lower interest rates really associated with higher growth? New empirical evidence on the interest rate thesis from 19 countries

Kang‐Soek Lee, Richard A. Werner

International Journal of Finance & Economics > 28 > 4 > 3960 - 3975

There is a substantial literature on the link between finance and growth. Empirical evidence remains inconclusive and the debate continues. In this paper, we adopt the research strategy of focusing on a narrower underlying issue that remains at the core of most macroeconomic theories, namely the interest rate thesis (that lower rates result in higher growth and vice versa). If there are problems with...

article

Government spending and credit market: Evidence from Italian (NUTS 3) provinces

Andrea Cipollini, Francesco Frangiamore

Papers in Regional Science > 102 > 1 > 3 - 30

This study examines the effects of government spending shocks on the Italian credit market using NUTS 3 data over the sample period 2011–2018. The empirical methodology is based on a local projection IV and the identification of a public spending shock is achieved by constructing a Bartik instrument. The empirical evidence shows a mild positive effect of 1% increase in government spending relative...

article

Rola banków gwarancyjnych w Niemczech w tworzeniu harmonijnego rozwoju przedsiębiorstw z sektora MŚP

Anna Dąbkowska

Finanse i Prawo Finansowe > 2023 > 4 > 40 > 23-45

W artykule podjęto próbę zbadania roli banków gwarancyjnych, których głównym celem działalności jest wspieranie rozwoju konkurencyjności przedsiębiorstw MŚP poprzez umożliwienie im dostępu do kredytowania poprzez udzielone gwarancje i poręczenia kredytowe, w tworzeniu harmonijnego rozwoju przedsiębiorstw tego sektora. Na początku scharakteryzowano banki gwarancyjne oraz ich wartość dodaną dla gospodarki...

article

Analiza dotycząca możliwości budowy modelu ryzyka kredytowego

Paweł Marcinkowski

Krakowskie Studia Małopolskie > 2023 > 3(39) > 168-184

FinAi przeprowadziło projekt budowy innowacyjnego modelu ryzyka kredytowego w oparciu o dane alternatywne takie jak dane z portali społecznościowych (Facebook, Linkedin), czy dane z telefonów komórkowych. Projekt ten był współfinansowany ze środków Europejskiego Funduszu Rozwoju Regionalnego w ramach umowy o dofinansowanie zawartej przez FinAi S.A. z Narodowym Centrum Badań i Rozwoju z siedzibą w...

article

The role of the Lendtech sector in the consumer credit market in the context of household financial exclusion

Krzysztof Waliszewski, Ewa Cichowicz, Łukasz Gębski, Filip Kliber, more

Oeconomia Copernicana > 2023 > 14 > 2 > 609-643

Research background: According to the World Bank (2020), about 60% of adults in developing countries do not use formal financial services. Furthermore, according to the Polish Association of Loan Institutions (2022), about 3 million Poles use loans, most of them obtained online. Among the reasons for more than a decade of growth of interest in the non-bank consumer lending market there are the development...

article

Constraints in the functioning of primary agricultural cooperative societies in Haryana state India

S. Singh, A. Singh, C. Lal

Economic and Regional Studies > 2022 > 15 > 4

article

Borrowing and repayment hardships: evidences from farmers in Haryana

B. Jakhar, R. Kait, V. Kumar

Economic and Regional Studies > 2022 > 15 > 4

article

Can cooperatives help commercial farms to access credit in China? Evidence from Jiangsu Province

Yuanyuan Peng, H. Holly Wang, Yueshu Zhou

Canadian Journal of Agricultural Economics/Revue canadienne d'agroeconomie > 70 > 4 > 325 - 349

Chinese agriculture is experiencing a transition from smallholder farming to the emergence of commercial farms that are characterized by intensification and specialization in production, as well as commercialization and cooperation in management. It requires substantial capital to facilitate such a transition, but it is very difficult for farmers in China to access bank credit. One way that commercial...

article

Do zombie firms crowd out healthy firms and slow their growth? Evidence from China

Xiaohan Guo, Jianliang Ye, Wunhong Su, Deming Luo, more

Development Policy Review > 40 > 6 > n/a - n/a

Motivation To prevent job losses, firms facing insolvency in China may be kept running by bank credit, even though they show few signs of returning to profit. These loss‐making firms are termed “zombies”. Purpose Does keeping zombie firms operating block access to credit for financially healthy firms, thereby slowing their growth, and consequently the number of jobs they might create? We analyse...

article

Effect of abnormal credit expansion and contraction on GDP per capita in ECOWAS countries

Peterson K. Ozili, Jide Oladipo, Paul Terhemba Iorember

Economic Notes > 51 > 3 > n/a - n/a

We investigate the impact of abnormal credit expansion and contraction on the gross domestic product (GDP) per capita (CGDP) of Economic Community of West African States (ECOWAS) countries. We analyse abnormal credit from two dimensions: first, the impact of abnormal credit contraction on CGDP and, second, the impact of abnormal credit expansion on CGDP. Using data for 10 ECOWAS countries from 1993...

article

Be good to be wise: Environmental, Social, and Governance awareness as a potential credit risk mitigation factor

Marina Brogi, Valentina Lagasio, Pasqualina Porretta

Journal of International Financial Management & Accounting > 33 > 3 > 522 - 547

Integrating Environmental, Social, and Governance (ESG) factors into credit risk assessment is the new frontier for credit risk management as regulators and investors increasingly require banks to channel loans to “sustainable” borrowers and ultimately foster sustainable growth. Our findings show that higher ESG awareness is strongly associated with better creditworthiness (proxied by the Altman Z...

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CREDIT (522)
KREDYT (58)
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KREDYTY (16)
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GENDER (9)
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LIQUIDITY (9)
AGENCY FOR RESTRUCTURING AND MODERNIZATION OF AGRICULTURE (8)
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BANKS (7)
CHINA (7)
CONSUMPTION (7)
CREDIT TRANSACTIONS (7)
DATA MINING (7)
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INTEREST RATES (7)
LOAN (7)
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AGENCJA RESTRUKTURYZACJI I MODERNIZACJI ROLNICTWA (6)
BANKRUPTCY (6)
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KREDYTY INWESTYCYJNE (6)
LEASING (6)
MORTGAGE (6)
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RESPONSIBILITY (6)
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ASIA (5)
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CREDIT RISK (5)
DOPLATY DO KREDYTOW (5)
FINANCIAL DEVELOPMENT (5)
GAME THEORY (5)
INCOME (5)
INFLATION (5)
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LOANS (5)
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Search results

The Credit‐Card‐Services Augmented Divisia Monetary Aggregates^*

The politics of distributing blame and credit: Evidence from a survey experiment with Norwegian local politicians

Hot money inflows and bank risk‐taking: Germany from the 1920s to the Great Depression

Debt‐based welfare: Debt‐to‐asset relationships across Black and White households in the United States

Adapting to Climate Risk With Guaranteed Credit: Evidence From Bangladesh

Credit Market Frictions and Coessentiality of Money and Credit

Credit - inequality nexus: the role of natural resources

The impact of financial development on house prices

The first author takes it all? Solutions for crediting authors more visibly, transparently, and free of bias

Are lower interest rates really associated with higher growth? New empirical evidence on the interest rate thesis from 19 countries

Government spending and credit market: Evidence from Italian (NUTS 3) provinces

Rola banków gwarancyjnych w Niemczech w tworzeniu harmonijnego rozwoju przedsiębiorstw z sektora MŚP

Analiza dotycząca możliwości budowy modelu ryzyka kredytowego

The role of the Lendtech sector in the consumer credit market in the context of household financial exclusion

Constraints in the functioning of primary agricultural cooperative societies in Haryana state India

Borrowing and repayment hardships: evidences from farmers in Haryana

Can cooperatives help commercial farms to access credit in China? Evidence from Jiangsu Province

Do zombie firms crowd out healthy firms and slow their growth? Evidence from China

Effect of abnormal credit expansion and contraction on GDP per capita in ECOWAS countries

Be good to be wise: Environmental, Social, and Governance awareness as a potential credit risk mitigation factor

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