Results 41 to 50 of about 588,858 (235)
Credit rationing in rural credit markets of India
Applied Economics, 2012 This paper analyses the prevalent situation of the formal financial institutions in rural India using data from National Sample Survey 54th Round (January-June, 1998). We use sample selectivity model to examine the sanction of the loan by the financial institutions as a two-stage process.
Kausik Chaudhuri, Mary Cherical
openaire +2 more sources
Frontiers in Psychology, 2022 Credit distribution is uneven in the domestic financial market since it is relatively easy for listed companies, mainly state-owned enterprises, to obtain banks’ funds.
Shangmei Zhao, Huibo Wang, Wei Li
doaj +1 more source
Credit Rationing and Pass-Through in Supply Chains: Theory and Evidence from Bangladesh
American Economic Journal: Applied Economics, 2020 Traders are often blamed for high prices, prompting government regulation. We study the effects of a government ban of a layer of financing intermediaries in edible oil supply chain in Bangladesh during 2011–2012.
M. Emran +4 more
semanticscholar +1 more source
Business Strategy and the Environment, EarlyView.ABSTRACT Small enterprises (SEs) constitute a major component of economic systems, and their socio‐environmental commitment is critical for promoting societal well‐being. This paper examines the direct effect of sound financial practices on socio‐environmental commitment and evaluates the mediating role of financial constraints—specifically debt and ...
Marcos Álvarez‐Espiño +2 more
wiley +1 more source
EconometricsIn a situation where the number of non-performing loans (NPLs) increases, lenders may raise interest rates to compensate for potential losses, and the amount of credit granted in the market may decrease, leading to credit rationing.
Cenap Mengü Tunçay +1 more
doaj +1 more source
Do Loan Guarantees Alleviate Credit Rationing and Improve Economic Welfare?
, 2020 By designing credit contracts with inversely related interest rates and collateral, banks can overcome the problems of adverse selection and moral hazard when there is an informational asymmetry in competitive credit markets.
Yu-Lin Wang, Chien-Hui Lee, Po-Sheng Ko
semanticscholar +1 more source
Climate Stress Testing on European SME Securitised Loans Under Climate Mitigation Scenarios
Business Strategy and the Environment, EarlyView.ABSTRACT Assessing the future impact of climate risks on the probability of default (PD) of small and medium enterprises (SMEs) is challenging due to limited disclosure, policy uncertainty and exposure to physical risks. This paper addresses this gap by integrating macroeconomic variables from the Network for Greening the Financial System (NGFS ...
Luca Zanin, Raffaella Calabrese
wiley +1 more source
Strategic group lending for banks [PDF]
Banks and Bank Systems, 2018 Credit institutions often refuse to lend money to small firms. Usually, this happens because small firms are not able to provide collateral to lenders. Moreover, given the small amount of required loans, the relative cost of full monitoring is too high ...
Marco Spallone, Pina Murè
doaj +1 more source
Changes in SMEs financing: risks and opportunities for agro-food companies
Economia Agro-Alimentare, 2023 The financial and real crisis started in 2007-2008 has deeply transformed the way the Italian financial and capital market act. Italian SMEs need to be aware of the transformation not to be pushed out of the market itself and to take profit of the new ...
Giorgio Stefano Bertinetti
doaj +1 more source
Credit Rationing and Mature French SMEs: A Disequilibrium Model
, 2020 A conventional assumption that deserves testing is that small and medium-sized enterprises (SMEs) are most affected by credit crunch. In this respect, a disequilibrium model is designed to analyse the determinants of credit rationing upon a balanced ...
P. Adair, Mohamed Adaskou
semanticscholar +1 more source