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 40 for “"Credit supply"”.
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The Interaction of Policy, Credit Demand and Credit Supply in Banking System
… to observe the interaction among policy change, credit demand and credit supply. In my first paper, I focus on studying the impact of a new FASB accounting rule called Current Expected Credit Losses (CECL). This is a new FASB accounting standard in 2016 to modify the way how financial …
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Empirical evidence of aggregate credit supply by South African banks since the introduction of international risk based capital regulation
… evidence of how South African banks have changed credit supply since the introduction of risk based capital regulation through the Basel Accords. The primary objective is to analyse empirical trends in on-balance sheet lending between 1994 and 2013 and to establish whether the propensity for banks …
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Essays on housing economics and real estate finance
… first chapter examines the impact of mortgage credit supply contraction on the supply and pricing of rental housing in the wake of the 2008-2009 financial crisis. We provide estimates of (1) the size of mortgage credit supply shocks at the county-level across the United States; (2) the impact …
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Managerial risk-taking incentives and state economic growth
… pronounced during economic expansions and when credit supply is likely to be abundant. Further, subsequent total bank loan charge-offs are greater in states with high aggregate risk-taking incentives and a high level of credit supply. M&As consummated in states with both high aggregate …
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The GB-ROSCA hybrid microfinance model : a strategy for small-scale development projects in Nigeria
… all African countries. An assortment of various credit models has been devised and used over time by policy makers in these countries to bridge the gap between the supply and demand of small business funds. Each of these earlier credit models failed to solve the problem owing to endemic …
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Essays on Banking and Local Credit Markets
… consists of three chapters on banking and local credit markets. The first chapter studies the relationship between bank-specific capital and credit access in a new setting: bank branch closings in markets where the branch network is dense. Existing regulation in the U.S. is targeted toward areas …
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Structural changes and financial frictions in the monetary transmission mechanism : GMM, VAR and Bayesian DSGE approaches
… after the GFC. Third, it explores the role of credit supply shocks and addresses if the issue of credit supply shocks has a plausible macroeconomic effects in the UK economy. Fourth, it addresses the issue of structural changes and determines the degree of significant changes assuming that MSBs …
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The Impact of Monetary Policy, Sterilised Forex Intervention, Demand and Supply Shocks on Credit in Uganda
… banks’ borrowers can offset the impact of credit supply shocks in both local and foreign denominated currencies loans. However, local banks’ borrowers are unable to offset shocks in local and foreign denominated currencies borrowing. This may indicate that these sectors resort to borrowing …
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Macroeconomic conditions and capital structure: evidence from publicly listed companies in the U.K.
… namely, business cycle, financial market risk, credit supply and stock market performance, affect capital structure of publicly listed U.K. firms. Specifically, by using fixed effects, random effects, tobit, and GLS regression models and GMM methods (SGMM and DGMM), this research tests if the …
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ESSAYS ON THE REAL EFFECTS OF FINANCIAL FRICTIONS
… findings. The second essay explores how credit market competition affects consumer bankruptcies. Prior research has shown that higher competition can induce banks to increase risk-taking activities but most of this work focuses on the implications for the stability of the banking system. …
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Institutional credit for agriculture in Bangladesh
… Bank, BKB (Agriculture Bank) under the normal credit program in Bangladesh. The study aimed at evaluating lending policies, examining borrower characteristics, finding out the factors influencing the supply of credit and measuring the magnitude of non-interest costs in loan transactions from …
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Institutional credit for agriculture in Bangladesh
… Bank, BKB (Agriculture Bank) under the normal credit program in Bangladesh. The study aimed at evaluating lending policies, examining borrower characteristics, finding out the factors influencing the supply of credit and measuring the magnitude of non-interest costs in loan transactions from …
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Migration and development in Mexican communities
… remittances in stimulating demand and relaxing credit constraints, while the pessimistic view emphasizes the departure of the economy's skilled and motivated workers. Using data from the Mexican Migration Project and exploiting stickiness in migrants' choice of U.S. destination, I examine the …
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Federal mandates and mortgage supply : regression discontinuity analyses of the community reinvestment and GSE Acts.
… evidence of the causal impact on mortgage supply of the Community Reinvestment Act (CRA) and the "Government-Sponsored Enterprises (GSE) Act", laws requiring banks and the GSEs (Fannie Mae and Freddie Mac), respectively, to help improve credit access for low-income households and …
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Fluctuations in the supply of credit and its effects on the capital structure of Japanese firms
This study examines how fluctuations in the supply of credit and financial constraints affect capital structure. It is one of the first studies to do so and its methodology is inspired by the recent studies of Faulkender & Petersen (2006) and Bougheas et al. (2006). It examines the economy of …
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Financial Crisis and the Supply of Corporate Credit
… that study the relationship between distress and credit and the role this relationship has in determining corporate investment and economic activity. The first essay studies the supply of credit during the recent financial crisis. It shows that distress in the banking sector led to bank credit …
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Essays on financial market regulatory frameworks and financial inclusion
… how financial market regulation influences credit supply and pricing in segmented and underserved markets, with particular focus on non-bank financial institutions (NBFIs) and microfinance institutions (MFIs). The study explored a key policy dilemma: while regulation aims to enhance consumer …
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Interest Rate Ceilings and Agriculture Financing in Kenya
… 2018. The analysis revealed that the amount of credit supply to the agricultural sector increased following the imposition of interest rate ceilings. The findings from the panel regression analysis confirmed that variations in the amount of loans to the agricultural sector were affected by the …
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Analysis of In-Lieu Fee Programs in providing Wetland and Stream Compensatory Mitigation
… histories of designing and implementing credit trading programs to satisfy regulatory requirements. The role and the function of in-lieu fee (ILF) programs in supporting this regulatory structure have undergone a substantial change. For the first time in the history of the Sec. 404 …
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