Results 101 to 110 of about 10,825 (309)
Mortgage Default Rates and Borrower Race [PDF]
We estimate a mortgage default model with national data on conventional mortgages that were current from 1986 to 1992. Our analysis confirms the results of previous analyses of Federal Housing Authority mortgages: Black households have higher marginal ...
Richard Anderson, James VanderHoff
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Predicting microfinance loan default [PDF]
, 2021 Microfinance lending institutions can use the following predictors to avoid bad loans : Marital status (single individuals are more prone to defaults). Time period of loan (longer loans are prone to higher default rate). Interest rate (very high interest
Aslam, Mohammad, Kumar, Senthil
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Can Credit Rating Changes Affect Corporate Carbon Emissions? Some Evidence From the S&P 500
Business Strategy and the Environment, EarlyView.ABSTRACT Using panel data on US S&P 500 firms from 2012 to 2024, this study examines how credit rating changes affect corporate carbon performance. Drawing on the resource‐based view and prospect theory, we show that credit rating downgrades lead to a statistically and economically significant deterioration in emission reduction scores.
Michal Wojewodzki +4 more
wiley +1 more source
Analytical solutions for expected and unexpected losses with an additional loan [PDF]
We evaluate expected and unexpected losses of a bank loan, taking into account the bankfs strategic control of the expected return on the loan. Assuming that the bank supplies an additional loan to minimize the expected loss of the total loan, we provide
Satoshi Yamashita, Toshinao Yoshiba
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The Effect of Carbon Disclosure Quality on Green Bond Financing Cost
Business Strategy and the Environment, EarlyView.ABSTRACT Existing research on financing costs primarily focuses on traditional financial factors, such as credit ratings, and offers limited examination of non‐financial information. This study examines the impact of the quality of carbon information disclosure on financing costs using a fixed‐effects panel regression, based on data from 166 Chinese ...
Siying Wang, Chaminda Wijethilake
wiley +1 more source
The Federal Student Loan Program: Quantitative Implications for College Enrollment and Default Rates
I quantify the effects of alternative student loan policies on college enrollment, bor- rowing behavior, and default rates in a heterogeneous model of life-cycle earnings and human capital accumulation. I find that the combination of learning ability and
Ionescu, Anamaria
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Do High Temperatures Affect Firm Demography? Evidence From Italy
Business Strategy and the Environment, EarlyView.ABSTRACT This study analyses the impact of high temperatures and heat stress on Italian firm demography during 2009–2022. Combining provincial‐firm‐level data with a high‐resolution multidecadal meteorological dataset, we investigate whether high temperatures—absolute and anomalous—affect firm entry and exit rates.
Concetta Carnevale +3 more
wiley +1 more source
MathematicsOnline consumer credit services play a vital role in the contemporary consumer market. To foster their sustainable development, it is essential to establish and strengthen the relevant risk management mechanism.
Miao Zhu +3 more
doaj +1 more source
Securitization and mortgage default [PDF]
The academic literature, the popular press, and policymakers have all debated securitization's contribution to the poor performance of mortgages originated in the run-up to the recent crisis.
Ronel Elul
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