Results 131 to 140 of about 713,687 (321)
Political Partisanship and State‐Level Bank Efficiency
Financial Review, EarlyView.ABSTRACT We examine the relationship between political partisanship and commercial bank efficiency in the United States from 1972 to 2020, assessing the persistent influence of political affiliations at the state and District of Columbia levels. Bank efficiency scores are estimated using a double‐bootstrap approach, and the analysis is conducted within
Jeremy Eng‐Tuck Cheah +3 more
wiley +1 more source
Flood Insurance Demand along the Gulf and Florida Coast [PDF]
The objective of this research is to identify factors that influence both the decision (yes or no) and level of flood insurance among coastal homeowners in the southeast U.S.
Ferraez, Will T. +2 more
core +1 more source
Sustaining Homeownership Through Education and Counseling [PDF]
, 2003 This paper addresses a two-fold problem. First, some families are struggling to sustain their home ownership, yet market responses are inadequate.
Mark Wiranowski
core
Flexible Contract, Flexible Morale? Microcredit Design and Repayment Discipline
International Economic Review, EarlyView.ABSTRACT Flexible repayment benefits borrowers, but practitioners fear increased moral hazard. Investigating their concerns requires disentangling repayment choices from repayment capacity, which is typically infeasible in field studies. We use a lab‐in‐the‐field experiment with 645 microcredit borrowers to cleanly identify the effect of repayment ...
Kristina Czura, Anett John, Lisa Spantig
wiley +1 more source
A critical look at green energy policies
Economic Affairs, EarlyView.
Lawrence Haar
wiley +1 more source
From Open Banking Regulation to Platform Orchestration: The Evolution of Digital Platform Governance
Information Systems Journal, EarlyView.ABSTRACT This study contributes to information systems (IS) scholarship by extending platform governance theory to regulatory contexts, explaining how regulatory forces co‐evolve with technological architectures to shape openness and control. This research examines the evolution of platform governance in the context of open banking, where regulatory ...
Priyadharshini Muthukannan +3 more
wiley +1 more source
A GLOBAL COMPARISON OF CREDIT BUREAUS BASED ON DATA UTILIZATION IN CREDIT SCORING
The International Journal of Banking and FinanceThe basic concept of credit scoring is to assess an individual`s payment ability as well as the specific individual`s credit default risk, hence determining an individual`s creditworthiness.
Ralf Wandmacher +5 more
doaj +1 more source
Mortgage reform and the countercyclical role of the Federal Housing Administration's mortgage mutual fund insurance [PDF]
It has been 75 years since the Federal Housing Administration (FHA) was established and it is again serving as the primary backstop in the current housing market downturn, insuring roughly 39 percent of all new purchase loans.
Brent C. Smith
core
Credit Rationing in the U.S. Mortgage Market: Evidence from Variation in FHA Market Shares [PDF]
, 2002 This paper examines the nature of mortgage credit rationing across geographic markets and time. Particular attention is paid to the response of conventional mortgage supply to higher risk conditions associated with regional recessions.
Ambrose, Brent W +2 more
core +1 more source
JCMS: Journal of Common Market Studies, EarlyView.Abstract After the Global Financial Crisis of 2008, European Union (EU) governance has become more tolerant towards national policy adaptation and experimentation. Right‐wing populist governments in East Central Europe (ECE) have used this increased flexibility amongst other things to develop various economically nationalist strategies to reassert ...
Gerhard Schnyder +2 more
wiley +1 more source