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Contingent Loan Repayment in the Philippines [PDF]
Economic Development and Cultural Change, 2007 Abstract Using data from the Philippines, this article seeks to understand how households in the study area apparently manage to avoid falling into a debt trap in spite of frequent borrowing. Findings suggest that this is achieved via three institutional features. First, most informal debt carries no interest.
Gubert, Flore, Fafchamps, Marcel
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The Effect of Bank Monitoring on Loan Repayment [PDF]
SSRN Electronic Journal, 2020 Monitoring is one of the main activities explaining the existence of banks, yet empirical evidence about its effect on loan outcomes is scant. Using granular loan-level information from the Italian Credit Register, we build a novel measure of bank monitoring based on banks’ requests for information on their existing borrowers and we investigate the ...
Branzoli, Nicola, Fringuellotti, Fulvia
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Impacts of Drought on Loan Repayment
Journal of Risk and Financial Management, 2023 In order to stress test loan portfolios for the impacts of climate change, historical events need to be analyzed to create templates to stress test for future events. Using the 2012 Midwestern US drought as an example, this work creates a stress-testing template for future droughts.
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Minimizing the Repayment Cost of Federal Student Loans
SIAM Review, 2022 Federal student loans are fixed-rate debt contracts with three main special features: (i) borrowers can use income-driven schemes to make payments proportional to their income above subsistence, (ii) after several years of good standing, the remaining balance is forgiven but taxed as ordinary income, and (iii) accrued interest is simple, i.e., not ...
Paolo Guasoni, Yu-Jui Huang
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Repayment policy for multiple loans
PLOS ONE, 2017 The Repayment Policy for Multiple Loans is about a given set of loans and a monthly incoming cash flow: what is the best way to allocate the monthly income to repay such loans? In this article, we close the almost 20-year-old open question about how to model the repayment policy for multiple loans problem together with its computational complexity ...
Yasmin Rios Solis +2 more
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Parental Support, Savings, and Student Loan Repayment [PDF]
American Economic Journal: Economic Policy, 2018 Using unique survey and administrative data from Canada, we document that parental support and personal savings substantially reduce student loan repayment problems. Developing a model of student borrowing and repayment, we show that nonmonetary costs of applying for income-based repayment assistance are critical to understanding our findings ...
Lochner, Lance +2 more
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Student Loans Repayment and Recovery: International Comparisons [PDF]
SSRN Electronic Journal, 2008 Student loans schemes are in operation in more than seventy countries around the world. Most loans schemes benefit from sizeable built-in government subsidies and, in addition, are subject to repayment default and administrative costs that are not passed on to student borrowers.
Shen, Hua, Ziderman, Adrian
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The Importance of Financial Resources for Student Loan Repayment [PDF]
SSRN Electronic Journal, 2013 Government student loan programs must balance the need to enforce repayment among borrowers who can afford to make their payments with some form of forgiveness or repayment assistance for those who cannot. Using unique survey and administrative data from the Canada Student Loan Program, we show that nearly all recent borrowers with annual incomes above
Lance Lochner +2 more
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A Personal Touch: Text Messaging for Loan Repayment [PDF]
SSRN Electronic Journal, 2012 We worked with two microlenders to test impacts of randomly assigned reminders for loan repayments in the “text messaging capital of the world”. We do not find strong evidence that loss versus gain framing or messaging timing matter. Messages only robustly improve repayment when they include the loan officer’s name.
Melanie Morten +2 more
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