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Determinants of financial inclusion in households in Peru. [PDF]

Front Sociol
Quispe Mamani JC, Aguilar Pinto SL, Calcina Álvarez DA, Quispe Layme M, Gutierrez Toledo GP, Condori Condori GT, Vargas Espinoza L, Quispe Layme W, Marca Maquera HR, Rosado Chávez CA.   +9 more
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Trade Credit and Credit Rationing

Review of Financial Studies, 1997
Asymmetric information between banks and firms can preclude financing of valuable projects. Trade credit alleviates this problem by incorporating in the lending relation the private information held by suppliers about their customers. Incentive compatibility conditions prevent collusion between two of the agents (e.g., the buyer and the seller) against
Biais, Bruno, Gollier, Christian
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Credit Risk and Credit Rationing

The Quarterly Journal of Economics, 1960
I. Approaches to credit rationing, 258. — II. The influence of credit risk on loan payoff, 259. — III. Implications for lender behavior and borrower access to credit, 267. — IV. The central bank's influence, 275.
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Credit Rationing and Rational Behavior

Journal of Money, Credit and Banking, 1994
This paper shows that optimal consumption is weakly increasing in the borrowing ceiling, while savings and the welfare losses caused by borrowing constraints are weakly decreasing. More important, the strict inequalities may hold even at high saving levels at which the constraints are not expected to bind any time soon. In essence, the paper shows that
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Consumer Rationality and Credit Cards

Journal of Political Economy, 1995
Borrowing on credit cards at high interest rates might appear irrational. However, even low transactions costs can make credit cards attractive relative to bank loans. Credit cards also provide liquidity services by allowing consumers to avoid some of the opportunity costs of holding money.
Brito, Dagobert L, Hartley, Peter R
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Credit Rationing and Financial Disorder

The Journal of Finance, 1984
ABSTRACTWe develop a model of lender behavior in the presence of default risk and moral hazard that determines default premiums and identifies the conditions under which borrowers are rationed. A hypothesis regarding a cognitive bias in the formation of expectations provides a dynamic component to our analysis and allows us to explain how an economy ...
Guttentag, Jack, Herring, Richard
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Credit Rationing: Issues and Questions

Journal of Money, Credit and Banking, 1978
THE QUESTION OF CREDIT RATIONING has been the subject of a number of theoretical discussions during the past twenty-five years. Credit rationing arguments occupied an important place in the so-called availability doctrine. The availability doctrine became prominent during the early fifties as a theory explaining how monetary policy could have eSects on
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Investment Facing Credit Rationing

The Manchester School, 1998
The explicit expression of investment facing credit rationing and convex adjustment costs is derived. Three implications follow. First, the assumption of convex adjustment costs can be substituted by credit rationing to derive an investment function.
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