Cooperative Credit: How Community Development Credit Unions are Meeting the Need for Affordable, Short Term Credit [PDF]
, 2007 This report summarizes an 18-month evaluation of the affordable payday loan alternative products offered by six community development credit unions. In addition to describing loan activity, the report identifies the financial and operational factors that
Marva Williams
core
A comparison of loan loss allowance practices in Asia [PDF]
This Asia Focus provides a brief background on loan loss allowance and the associated supervisory guidance in the United States and compares different applications of loan loss allowance regulatory and accounting standards in some Asian economies.
Grace Li
core
Greed: An In-depth Study of the Debt Collection Practices, Interest. Rates, and Customer Base of a Major Illinois Payday Lender [PDF]
, 2004 This report uses public court files to document the loan terms, conditions, and litigation tactics of one of the largest payday lenders in Illinois.
core
Revisiting Bank Pricing Policies in Brazil: evidence from loan and deposit markets [PDF]
This paper addresses the determinants of interest rates in the Brazilian banking market. The results suggest that banks fully adjust their loan interest rates to a change in the monetary policy rate, but we also observe a rigid short-term response for ...
Leonardo S. Alencar
core
Credit rationing by loan size in commercial loan markets [PDF]
The authors present a theoretical model in which a profit-maximizing lender may ration credit to businesses by restricting loan size. Such credit rationing occurs despite the absence of differences across borrowers in default risk or loan administration ...
Anne P. Villamil, Stacey L. Schreft
core
Operating performance of the banking industry: an empirical investigation of the south eastern European region [PDF]
, 2007 This paper examines the operating performance of the South Eastern European(SEE) banking industry over the period 1998-2003. To this end, we investigate the empirical relationship between operating expenses and bank, market and country specific ...
Koutsomanoli-Fillipaki, Anastasia +2 more
core +1 more source
The FSLIC bailout and the economy [PDF]
Federal Savings and Loan Insurance Corporation ; Deposit insurance ; Savings and loan associations ; Thrift ...
Fred Furlong
core
Credit Constraints, Heterogeneous Firms and Loan Defaults [PDF]
In light of the recent financial and economic crisis the present paper analyzes the determinants of loan default. We employ a unique firm-level panel data of 700 bank loans given to small and medium sized enterprises in Slovakia between 2000 and 2005 to ...
d'Artis Kancs +3 more
core
Loan growth and loan quality: some preliminary evidence from Texas banks [PDF]
Following the failures of depository institutions in the 1980s, many analysts concluded that the rapid growth of lending activity and the deterioration of loan quality were related. Robert T.
Robert T. Clair
core
Educational loans and attitudes towards risk [PDF]
We explore the relationship between willingness to take financial risk and the probability of taking out a loan for educational purposes as well as the influence of risk attitudes on the size of the loan using data drawn from the U.S.
Aurora Ortiz-Núñez +2 more
core +1 more source