Global ETD Search
Search theses and dissertations gathered from participating repositories worldwide. Every result links back to the library that holds it. No account is needed.
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Showing 1 to 20 of 27 for “"Credit Access"”.
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Tornado in Credit Desert: Role of Consumer Credit Access in Disaster Recovery
I study the effect of credit access restrictions on post-disaster financial outcomes of subprime consumers in Arkansas, a state with the lowest usury cap of 17 percent. Due to the restrictive cap, neither payday nor consumer finance companies operate in Arkansas, while they do in all six …
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Evaluation of the factors affecting mobile money operators credit access : a case study of Lusaka central business district.
Zambia's government prioritizes finance access for economic growth. Mobile Network Operators offer expanded financial services, including credit. Research in Lusaka CBD examines factors influencing MNO credit access. It was a mono quantitative method approach. Sample size comprised 125 MNOs. Simple …
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Evaluation of the factors affecting mobile money operators credit access : a case study of Lusaka central business district.
Zambia's government prioritizes finance access for economic growth. Mobile Network Operators offer expanded financial services, including credit. Research in Lusaka CBD examines factors influencing MNO credit access. It was a mono quantitative method approach. Sample size comprised 125 MNOs. Simple …
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Secure property rights and access to small enterprises' (SEs) credit: a comparative study of Ghana and England
… Their ability to grow is however, undermined by credit constraints. This has often been attributed to the lack of registered property ownership which is argued to make property insecure and unacceptable to lenders. Though several studies have been conducted on the relationship between property …
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ESSAYS ON FINANCIAL REFORMS AND FIRM PERFORMANCE IN EMERGING MARKETS
… of foreign bank deregulation on domestic firms' credit access and real outcomes in China, using an extensive firm-level data set from the manufacturing census. Following the deregulation policies implemented by the government in 2001, foreign banks were allowed to enter the Chinese banking market …
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Essays in Consumer and Small Business Finance
… securitization are commonly believed to fuel the credit expansion before the financial crisis. The first two chapters contribute to these discussions by investigating the bank-lending channel through which housing shocks and mortgage securitization affect credit access of consumers and small …
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Not So Great Expectations: An Analysis of Expectation Determinants and the Predictability of Expectation Errors
… national stock market returns, personal credit access, and personal financial wellbeing to test the rational expectations hypothesis (REH). For each of these variables, I examine the determinants of expectations as well as the predictability of expectation errors. Overall, my results …
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Different Uses of Microfinance Among Conventional and Islamic Borrowers: Evidence from Jordan
… concentrating on the level of investment after credit access was made available, there has been very limited research on the impact of Islamic microfinance. The amount of literature comparing Islamic financing and its conventional counterpart is even more uncommon. This study will look at how …
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Financial System Development and Economic Development in Malawi
… Monetary Fund( IMF), which captures depth, access, and efficiency of the financial system. Using yearly data of the period range 1980 to 2019, and employing an Autoregressive Distributed Lag (ARDL) cointegration technique or bound cointegration technique, the paper finds a significant long …
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The introduction of Islamic banking and its projected impact on financial inclusion and economic development in Uganda
… countries has grappled with the challenge of access to credit with a big unbanked population. One of the reasons espoused in this paper for this problem has been high cost of credit access caused by prohibitively high interest rates that discourage people from attaining loans for their …
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Federal mandates and mortgage supply : regression discontinuity analyses of the community reinvestment and GSE Acts.
… and Freddie Mac), respectively, to help improve credit access for low-income households and neighborhoods. While financial markets evolved rapidly since the early 1990's, I use discontinuities in the laws' eligibility rules to identify their effects. To implement the analyses, I use a census of …
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Small Stores, Big Obstacles: Understanding Constraints and Opportunities for Micro-retail Firms
… closure rates, low productivity, and limited access to formal credit. This thesis asks: What structural and contextual factors determine the survival and performance of nanostores, and how can policy better support high-potential firms within this segment? To answer this, the study constructs …
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Debt as Infrastructure: Contract Farming, Labour, and Oil Palm in Montes de María
This thesis interrogates the operation of credit for contracted palm oil production and its impacts on the lives of peasant communities in the Colombian Caribbean. My work presents a detailed account of how credit shapes the operation of contract farming schemes as well as the labouring experiences …
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Essays On Labor Economics And Public Policy
… a dozen studies, the welfare effects of payday credit are still debatable. We contribute new evidence to the debate by studying how payday credit access affects bank overdrafts (such as returned checks), bankruptcy, and household complaints against lenders and debt collectors. We find some …
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Determinants of commercialization among smallholder vegetable cash crop farmers in Thulamela Municipality of Limpopo Province, South Africa
… the intensity of commercialisation. However, credit access, production cost, gender and household size were also statistically significant but negatively influenced commercialisation intensity. The study also found that technical challenges such as land ownership, production inputs, and farm …
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An assessment of the effects of the gender gap on accessing finance in Namibia
… on assessing the effects of the gender gap on accessing finance in Namibia. Cross-sectional data for the fourth financial Inclusion Survey of 2017 was used. The study used econometrics techniques of t-tests, Pearson Chi-square tests, and the probit model to examine the effects of the gender gap …
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An analysis of the sustainability of small-scale farming in Dukuduku, Kwa-Zulu Natal, South Africa.
… the maladministration of resources, poor market access as well as poor access to credit. Therefore, the aim of this study was to investigate the sustainability of small-scale farming (with emphasis on the credit access, market access, improved infrastructure as well as state intervention) in …
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Essays on Consumer Bankruptcy, Employment, Firm Dynamics, and Aging in the United States
… quantitatively explains the rise in unsecured credit and consumer bankruptcies in the United States. The model is calibrated to match the increase in the population with access to unsecured credit. Results show that the increase in the matching efficiency accounts for more than 60 percent of …
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Essays on Household Finance and Small Business Credit
Chapter 1 examines whether closing disparities in credit access between spouses can help reduce consumption inequality in the household. The 2013 reversal of the Truth-in-Lending Act increased the borrowing capacity of secondary earners in equitable-distribution states but not in community-property …
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