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.
Results
Showing 1 to 20 of 75 for “"credit market"”.
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Essays on household finance and credit market regulation
… finance and regulatory policy in consumer credit markets. The first chapter studies the efficiency and distributional effects of credit card pricing restrictions in the 2009 Credit CARD Act. I document how two forces drive these restrictions' effects: first, the Act constrains lenders from …
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Small farmer participation in the institutional credit market : a Thai case study
… thesis is to understand why the institutional credit disbursed by rural credit programmes (RCPs) in developing countries tends to by-pass the small farmers to whom it is frequently directed. In undertaking this task, a number of secondary research objectives are pursued, notably, the …
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Developments in the South African credit market and analysis on indebted consumers using NIDS data
… on debt payments and their main sources of credit are from retailers, hire purchase agreements and loan sharks. The OLS and Median Quantile regression results for 2008 and 2012 under total debt analysis indicate a dampening of the negative effect for female, Black, Coloured, no schooling and …
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An Empirical Investigation of the Effects of Earnings Predictability and Auditor-Client Relationships on the Bond Credit Market
… the effect these issues have on the bond credit market. The first study examines the effect earnings predictability has on both the initial bond rating and the initial pricing of the issue. Earnings predictability is measured as (1) the annual earnings surprise (actual minus analyst …
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Vartojimo kredito dinamika ir analizė Lietuvoje /
… thesis is to analyze the dynamics of consumer credit in Lithuania based on a review of the scientific literature and to conduct an empirical study to evaluate the growth of the consumer credit market in relation macroeconomic factors in Lithuania. The work consists of three main parts: the …
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Essays on Financial Market Development and Economic Growth
… is a collection of essays on financial market development and economic growth. In contrast to existing literature, which considers credit for investment along, we investigate the relationship between credit market development and economic growth in the framework where both investment and …
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Factores determinantes del racionamiento en el mercado de crédito bancario: un estudio empírico en Andalucía
… organisations usually suffer, specially the credit rationing. Thus, the main objective of this Ph.D. thesis is to determine if it is possible to find within the Andalusian credit market any restrictions, for instance to credit concessions and its commercial conditions to more little …
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Essays on imperfect information and economic growth
… information between lenders and borrowers in the credit market. The first chapter considers an endogenous growth model where lenders and capital producing borrowers are asymmetrically informed as to the borrower’s ability to successfully operate an investment project. In contrast to the existing …
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The dynamics of consumer credit and household indebtedness in South Africa
Consumer credit has become an important element of the South African economy. Given the limits on state social security payments, and the chronic absence of substantial household savings, consumer credit has come to play a vital role as a substitute for income support and/or a complement to low …
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Cross-Listing and Corporate Risk Taking: Legal Bonding or Reputation Bonding
… cross-listing to build a good reputation in the credit market so that they can survive through economic downturns. In order to differentiate between these two arguments, I analyze corporate risk taking after cross-listing. An Increase in minority shareholder protection implied by the legal …
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Private information and price regulation In the US credit card market
… of such re-pricing restrictions, the 2009 Credit CARD Act, to ask how such restrictions affect credit market efficiency. Using a near-universe of US consumer credit card account data as well as a large random sample of US consumer credit reports, I show evidence that the Act's restrictions …
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Barriers to SME lending in Nigeria finding context-specific solutions
… as a major obstacle to their growth. With bank credit contributing up to 50% of their external financing, the research focuses on banking institutions. Perceived as a credit market failure, the economics literature ascribes these credit shortages to problems of informational asymmetry and …
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Essays on Financial and Labor Markets with Frictions
… is devoted to exploring financial and labor markets with frictions.</p><p>Chapter I: Unemployment and Capital Misallocation. The recent recession was associated not only with a marked disruption in the credit market, but also a sharp deterioration in labor market conditions, as evidenced by …
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POSSIBLE LINKAGES BETWEEN TRADE RESTRICTIONS AND WORKPLACE SAFETY
… Such conditions which may affect international market access and thus trade restrictions within the WTO mandates are imposable. As producers often have higher market power in the low-skilled labor market due to the large supply of labor, e.g., from an influx of illegal immigrants, trade …
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The applicability of statistical techniques to credit portfolios with specific reference to the use of risk theory in banking
… examines the use of statistical techniques in credit portfolio management, with emphasis on actuarial and risk theoretic pricing and reserving measures. The bank corporate loan portfolio is envisaged as an insurance collective, with margins charged for credit risk forming premium income, …
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The Effect of Financial Enforcement on Entrepreneurship and Growth in the Korean Economy
… ""type"" (manager ability and resources), a credit market friction, and differences in institutions. Differences in institutions across cities generate differences in occupational choice, firm size and output per capita."
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Institutions and economic development
… policies, trade liberalisation and credit market deregulation. In the next Chapter, we consider the institutional barriers as compared to natural barrier and at-the-board barriers as determinants of bilateral FDI. The augmented gravity model provides empirical evidences to support …
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Essays in macroeconomics
… on regional labor reallocation and the labor market. I document an empirical fact, which suggests that, by increasing the fraction of households with negative housing equity, a housing bust hinders interregional mobility. I then study a multi-region economy with local labor and housing markets …
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Pre-contractual assessments in mortgage loans: Promoting responsible lending or exacerbating financial exclusion? - A comparative study of the South African National Credit Act and the European Mortgage Credit Directive
… years, pre-contractual assessments in consumer credit agreements, including affordability assessments, have made their way up the priority ladder for legislators. International institutions such as the World Bank promote pre-contractual (affordability) assessments as a key regulatory tool in the …
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