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Loan Loss Provisions, Income Smoothing and Loan Growth: Evidence from Islamic Banks
SSRN Electronic Journal, 2016This paper analyses income smoothing behavior and procyclical effect of loan loss provisions in Islamic bank. The model includes the use of loan loss provisions for discretionary and non-discretionary purposes in Islamic banks and relates it to the ways of Islamic banks disburse loans.
Sigid Eko Pramono +2 more
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Bank market power and loan growth
2017The authors explore the impact of bank market power on the provision of credit using multi-year, bank-level data from 131 countries. Their findings reconcile the opposing views of the theory on this matter and indicate the existence of a U-shaped relationship between bank market power and loan growth.
Manthos D. Delis +4 more
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Student Loan Debt and Aggregate Consumption Growth
FEDS Notes, 2018Although student debt service is undoubtedly a source of severe financial strain for some individuals, in this discussion we show that the direct effect of increased student debt service on aggregate consumption growth is likely small.
Kamila Sommer +2 more
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School Loans, Subsidies, and Economic Growth
FinanzArchiv, 2004This paper examines the effects of government educational subsidies on economic growth and welfare. In an overlapping-generations model with human-capital accumulation, it is shown that, even when human-capital externalities are large, an increase in government subsidies to private-education debt may have a negative effect on the long-run economic ...
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Does faster loan growth lead to higher loan losses? [PDF]
, 1999 During the last couple of years, concern has increased that the exceptionally rapid growth in business loans at commercial banks has been due in large part to excessively easy credit standards. Some analysts argue that competition for loan customers has greatly increased, causing banks to reduce loan rates and ease credit standards to obtain new ...
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Encouraging Inclusive Growth: The Employee Equity Loan Act
Challenge, 2019Broad-based employee ownership of private sector enterprise, brought about primarily through the use of Employee Stock Ownership Plans or ESOP’s, is an idea with a thirty-five-year record of bringi...
Richard C. May +2 more
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TARP Funds Distribution and Bank Loan Growth
SSRN Electronic Journal, 2010I investigate the determinants of TARP funds distribution to banks and the effect of TARP investments on bank loan growth. Using political and regulatory connections as instruments, I find that TARP investments increased bank loan growth by an annualized rate of 6.41% for banks with below median Tier 1 ratios, equivalent to $2.66 more loans for every ...
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Small Business Loans and Rural Business Growth
2018Access to readily available capital can help rural small businesses succeed. The Community Reinvestment Act (CRA) encourages financial institutions to help meet the credit needs of low-income residents and smaller firms. Between 2000 and 2015, small business loan amounts per capita in rural counties lagged behind urban counties.
Rupasingha, Anil, Rupasingha, Anil
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The impact of bank supervision on loan growth
The North American Journal of Economics and Finance, 2008Abstract This paper quantifies the short-term and long-term impact of bank supervision (measured using CAMEL composite and component ratings) on different categories of loan growth: (a) commercial and industrial loans, (b) consumer loans, and (c) real estate loans.
Timothy J. Curry +2 more
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Foreign Aid Loans and Economic Growth in Thailand
2021This chapter examines the productivity of governmental aid loans, the main portion of foreign aid in Thailand, using the economic growth model both in whole-country time-series data from 1971 to 2013 and in regional panel data from 1986 to 2013. The effect of foreign aid remains a point of discussion, and we hope to clarify this issue.
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