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  1. Financial access and labor market outcomes: evidence from credit lotteries
    Autor*in: Doornik, Bernardus Ferdinandus Nazar van; Gomes, Armando R.; Schoenherr, David; Skrastins, Janis
    Erschienen: [2021]
    Verlag:  Banco Central do Brasil, Brasília, DF, Brazil

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    Schriftenreihe: Working paper series / Banco Central do Brasil ; 547 (April 2021)
    Schlagworte: access to credit; household nance; labor mobility; spatial mismatch
    Umfang: 1 Online-Ressource (circa 46 Seiten), Illustrationen
  2. How voluntary information sharing systems form
    evidence from a U.S. commercial credit bureau
    Autor*in: Liberti, José; Sturgess, Jason; Sutherland, Andrew
    Erschienen: [2021]
    Verlag:  School of Economics and Finance, Queen Mary University of London, London

    We use the introduction of a U.S. commercial credit bureau to study when lenders adopt voluntary information sharing technology and the resulting consequences for competition and credit access. Our results suggest that lenders trade off access to new... mehr

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    We use the introduction of a U.S. commercial credit bureau to study when lenders adopt voluntary information sharing technology and the resulting consequences for competition and credit access. Our results suggest that lenders trade off access to new markets against heightened competition for their own borrowers. Lenders that do not share initially lose borrowers to competitors that share, which ultimately compels them to share and leads to the formation of an information sharing system. We find access to credit improves but only for high-quality borrowers in markets with greater lender adoption. Our results offer the first direct evidence on when financial intermediaries adopt information sharing technologies and how sharing systems form and evolve.

     
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    Schriftenreihe: Working paper / School of Economics and Finance, Queen Mary University of London ; no. 927 (June 2021)
    Schlagworte: information sharing; access to credit; financial intermediation; fintech; SMEs
    Umfang: 1 Online-Ressource (circa 61 Seiten), Illustrationen
  3. Whether caste impedes access to formal agricultural credit in India?
    evidence from NSSO unit level data
    Autor*in: Kartick, V; Madheswaran, S.
    Erschienen: March 2020
    Verlag:  Institute for Social and Economic Change, Bangalore, India

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    ISBN: 9788194511441
    Schriftenreihe: ISEC working paper ; 478
    Schlagworte: resource inequality; wealth index; determinants of agricultural credit; access to credit; caste discrimination
    Umfang: 20 Seiten
  4. Unintended consequences of "mandatory" flood insurance
    Autor*in: Blickle, Kristian; Santos, João A. C.
    Erschienen: [2022]
    Verlag:  Federal Reserve Bank of New York, New York, NY

    We document that the quasi-mandatory U.S. flood insurance program reduces mortgage lending along both the extensive and intensive margins. We measure flood insurance mandates using FEMA flood maps, focusing on the discreet updates to these maps that... mehr

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    We document that the quasi-mandatory U.S. flood insurance program reduces mortgage lending along both the extensive and intensive margins. We measure flood insurance mandates using FEMA flood maps, focusing on the discreet updates to these maps that can be made exogenous to true underlying flood risk. Reductions in lending are most pronounced for low-income and low-FICO borrowers, implying that the effects are at least partially driven by the added financial burden of insurance. Our results are also stronger among non-local or more-distant banks, who have a diminished ability to monitor local borrower adherence to complicated insurance mandates. Overall, our findings speak to the unintended consequences of (well-intentioned) regulation. They also speak to the importance of factoring in affordability and enforcement feasibility when introducing mandatory standards.

     
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    Schriftenreihe: Staff reports / Federal Reserve Bank of New York ; no. 1012 (April 2022)
    Schlagworte: insurance; unintended consequences; regulation; FEMA maps; flooding; mortgage lending; access to credit
    Umfang: 1 Online-Ressource (circa 55 Seiten), Illustrationen
  5. Elections hinder firms' access to credit
    Autor*in: Léon, Florian; Weill, Laurent
    Erschienen: 9 February 2022
    Verlag:  BOFIT, the Bank of Finland Institute for Emerging Economies, Helsinki

    To analyze whether the occurrence of elections affects access to credit for firms, we perform an investigation using firm-level data covering 44 developed and developing countries. The results show that elections impair access to credit.... mehr

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    To analyze whether the occurrence of elections affects access to credit for firms, we perform an investigation using firm-level data covering 44 developed and developing countries. The results show that elections impair access to credit. Specifically, firms are more credit-constrained in election years and pre-election years as elections exacerbate political uncertainty. While lower credit demand is a tangible negative effect of elections, their occurrence per se does not seem to affect credit supply. We further establish that the design of political and financial systems affects how elections influence access to credit.

     
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    ISBN: 9789523234017
    Weitere Identifier:
    hdl: 10419/249607
    Schriftenreihe: BOFIT discussion papers ; 2022, 3
    Schlagworte: elections; access to credit; credit constraints
    Umfang: 1 Online-Ressource (circa 41 Seiten), Illustrationen
  6. Effects of land rights formalization on households' tenure security and investments
    the case of PRODEP in Nicaragua
    Autor*in: De la O Campos, Ana Paula; Edouard, Fabrice; Ruiz Salvago, Marta
    Erschienen: 2021
    Verlag:  Food and Agriculture Organization of the United Nations, Rome

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    ISBN: 9789251354896
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    Schriftenreihe: FAO agricultural development economics working paper ; 21, 11 (December 2021)
    Schlagworte: household investments; access to credit; land ownership; land tenure security; women’s land rights; land titling
    Umfang: 1 Online-Ressource (circa 42 Seiten), Illustrationen
  7. Jobs, access to credit and informality in the Middle East and North Africa
    Autor*in: Brancati, Emanuele; Di Maio, Michele; Rahman, Aminur
    Erschienen: 2022
    Verlag:  European Investment Bank, [Luxembourg]

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    ISBN: 9789286153235
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    Schriftenreihe: Economics
    MENA enterprise survey report working papers ; volume 2
    Schlagworte: employment; access to credit; informality; MENA countries
    Umfang: 1 Online-Ressource (circa 42 Seiten), Illustrationen
  8. I divari territoriali nell’accesso delle imprese italiane al credito
    Autor*in: Bottoni, Carlo; Cascarano, Michele; Garrì, Iconio; Mirenda, Litterio; Mistrulli, Paolo Emilio; Pizzillo, Dalia Maria; Revelli, Davide; Ropele, Tiziano
    Erschienen: [2022]
    Verlag:  Banca d'Italia, [Rom]

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    Sprache: Italienisch
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    Schriftenreihe: Questioni di economia e finanza / Banca d'Italia ; number 710 (Luglio 2022)
    Schlagworte: territorial gaps; access to credit; cost of credit
    Umfang: 1 Online-Ressource (circa 34 Seiten), Illustrationen
  9. Financial access and labor market outcomes
    evidence from credit lotteries
    Autor*in: Doornik, Bernardus Ferdinandus Nazar van; Gomes, Armando R.; Schoenherr, David; Skrastins, Janis
    Erschienen: January 2023
    Verlag:  Bank for International Settlements, Monetary and Economic Department, [Basel]

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    Schriftenreihe: BIS working papers ; no 1071
    Schlagworte: access to credit; household finance; labor mobility; spatial mismatch
    Umfang: 1 Online-Ressource (circa 44 Seiten), Illustrationen
  10. The lasting impact of historical residential security maps on experienced segregation
    Autor*in: Aaronson, Daniel; Han, Joel Kaiyuan; Hartley, Daniel A.; Mazumder, Bhashkar
    Erschienen: [2023]
    Verlag:  Federal Reserve Bank of Chicago, [Chicago, Illinois]

    We study the impact of the 1930s HOLC residential security maps on experienced segregation based on cell phone records which track visits out of and into home neighborhoods. We compare adjacent neighborhoods, one of which was assigned a lower grade... mehr

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    We study the impact of the 1930s HOLC residential security maps on experienced segregation based on cell phone records which track visits out of and into home neighborhoods. We compare adjacent neighborhoods, one of which was assigned a lower grade for creditworthiness than the other. We use a sample of neighborhood borders which, based on estimated propensity scores, are likely to have been drawn for idiosyncratic reasons. Neighborhoods on the lower graded side of the border are associated with more visits to other historically lower graded destination neighborhoods. Today, these destination neighborhoods tend to have lower household income and, in some cases, lower educational attainment. We find that these disparities in visits are not driven by work commutes, very local visits, or differences in income. We also find similar disparities for incoming visits. Finally, we study the impact of the maps on non-residential segregation at the city level, based on a comparison of cities around a population cutoff that determined whether a city was included in the HOLC program. Using transition matrices, we describe visit probabilities across the distribution of home and destination neighborhood incomes. In cities with HOLC maps, visits across neighborhood income lines are less common, but this effect is less pronounced for the richest home neighborhoods. These findings suggest that these historical "redlining" maps affect non-residential segregation and the social interactions of urban residents in the present day.

     
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    hdl: 10419/284074
    Schriftenreihe: [Working paper] / Federal Reserve Bank of Chicago ; WP 2023, 33 (September 2023)
    Schlagworte: Redlining; access to credit; experienced segregation; intergroup exposure; within-city mobility
    Umfang: 1 Online-Ressource (circa 30 Seiten), Illustrationen
  11. Regional favoritism in access to credit
    just believe it
    Autor*in: Osei-Tutu, Francis; Weill, Laurent
    Erschienen: 21 March 2023
    Verlag:  BOFIT, the Bank of Finland Institute for Emerging Economies, Helsinki

    We examine the effect of regional favoritism on the access of firms to credit. Using firm-level data on a large sample of 29,000 firms covering 47 countries, we investigate the hypothesis that firms in the birth regions of national political leaders... mehr

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    We examine the effect of regional favoritism on the access of firms to credit. Using firm-level data on a large sample of 29,000 firms covering 47 countries, we investigate the hypothesis that firms in the birth regions of national political leaders have better access to credit. Our evidence suggests that firms located in birth regions of political leaders are less likely to be credit constrained. The effect takes place through the demand channel: firms in leader regions face fewer hurdles in applying for loans. We find no evidence, however, of preferential lending from banks to firms in leader regions. Thus, regional favoritism affects access to credit through differences in perceptions of firm managers, not deliberate changes in the allocation of resources by political leaders.

     
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    hdl: 10419/270718
    Schriftenreihe: BOFIT discussion papers ; 2023, 1
    Schlagworte: regional favoritism; access to credit; borrower discouragement
    Umfang: 1 Online-Ressource (circa 43 Seiten), Illustrationen
  12. The effects of medical debt relief
    evidence from two randomized experiments
    Autor*in: Kluender, Raymond; Mahoney, Neale; Wong, Francis; Yin, Wesley
    Erschienen: April 2024
    Verlag:  CESifo, Munich, Germany

    Two in five Americans have medical debt, nearly half of whom owe at least $2,500. Concerned by this burden, governments and private donors have undertaken large, high-profile efforts to relieve medical debt. We partnered with RIP Medical Debt to... mehr

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    Two in five Americans have medical debt, nearly half of whom owe at least $2,500. Concerned by this burden, governments and private donors have undertaken large, high-profile efforts to relieve medical debt. We partnered with RIP Medical Debt to conduct two randomized experiments that relieved medical debt with a face value of $169 million for 83,401 people between 2018 and 2020. We track outcomes using credit reports, collections account data, and a multimodal survey. There are three sets of results. First, we find no impact of debt relief on credit access, utilization, and financial distress on average. Second, we estimate that debt relief causes a moderate but statistically significant reduction in payment of existing medical bills. Third, we find no effect of medical debt relief on mental health on average, with detrimental effects for some groups in pre-registered heterogeneity analysis.

     
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    hdl: 10419/296163
    Schriftenreihe: CESifo working papers ; 11074 (2024)
    Schlagworte: debt relief; medical debt; health care; mental health; access to credit
    Umfang: 1 Online-Ressource (circa 128 Seiten), Illustrationen
  13. Credit allocation along the business cycle
    evidence from the latest boom bust credit cycle in Spain
    Autor*in: Blanco, Roberto; Jiménez, Noelia
    Erschienen: 2018
    Verlag:  Banco de España, Madrid

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    Schriftenreihe: Documentos de trabajo / Banco de España, Eurosistema ; no. 1826
    Schlagworte: access to credit; borrower-lender relationships; loan applications
    Umfang: 1 Online-Ressource (circa 32 Seiten), Illustrationen
  14. Public guarantees on loans to SMEs
    an RDD evaluation
    Autor*in: De Blasio, Guido; De Mitri, Stefania; D'Ignazio, Alessio; Finaldi Russo, Paolo; Stoppani, Lavina
    Erschienen: [2017]
    Verlag:  Banca d'Italia Eurosistema, [Rom]

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    Schriftenreihe: Temi di discussione / Banca d'Italia ; number 1111 (April 2017)
    Schlagworte: credit guarantees; public guarantees; access to credit; SMEs financing
    Umfang: 1 Online-Ressource (circa 54 Seiten), Illustrationen
  15. Creating associations as a substitute for direct bank credit
    evidence from Belgium
    Autor*in: Bedayo, Mikel
    Erschienen: 2017
    Verlag:  Banco de España, Madrid

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    Schriftenreihe: Documentos de trabajo / Banco de España, Eurosistema ; no. 1704
    Schlagworte: associations; finance; access to credit; relationship banking; Belgium
    Umfang: 1 Online-Ressource (circa 46 Seiten), Illustrationen
  16. How does relationship banking influence credit financing?
    evidence from the financial crisis
    Autor*in: Hainz, Christa; Wiegand, Manuel
    Erschienen: 2013
    Verlag:  ifo Inst., Munich

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    hdl: 10419/73808
    Schriftenreihe: Ifo working papers ; 157
    Schlagworte: Credit financing; relationship banking; financial crisis; access to credit
    Umfang: Online-Ressource (42 S., 470 KB)
  17. A cross country perspective on Irish enterprise investment
    do fundamentals or constraints matter?
    Autor*in: Gargan, Eric; Kenny, Eoin; O'Regan, Cynthia; O'Toole, Conor
    Erschienen: August 1, 2023
    Verlag:  ESRI, Economic & Social Research Institute, [Dublin]

    Numerous research papers have used Irish-only data to test for the presence of an investment gap for small- and medium-sized enterprises (SMEs). In this paper, we use cross country firm-level survey data from the World Bank Enterprise Surveys to... mehr

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    Numerous research papers have used Irish-only data to test for the presence of an investment gap for small- and medium-sized enterprises (SMEs). In this paper, we use cross country firm-level survey data from the World Bank Enterprise Surveys to explore the investment patterns of Irish SMEs in a crosscountry context and test whether an investment gap is present when compared to other countries. We use an accelerator model of investment which links capital expenditure to firm output growth and test the sensitivity of investment to this key fundamental for Ireland and other countries. We then estimate whether Irish firms face an investment gap relative to their European peers. We test whether any differences in cross country patterns are driven by variation in financial factors (such as credit access or indebtedness) or firm quality (managerial experience, website usage, operating profitability). We find that Ireland's investment in fixed tangible assets is relatively well explained by these factors whereas a clear underinvestment in research and development expenditure emerges. Factors associated with investment in research and development include the degree of foreign technology usage, digitalisation and internationalisation.

     
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    Schriftenreihe: ESRI working paper ; no. 754 (2023)
    Schlagworte: SME Investment; accelerator model; access to credit; firm performance
    Umfang: 1 Online-Ressource (circa 47 Seiten), Illustrationen
  18. What do we know about the role of bank competition in Africa?
    Autor*in: Léon, Florian
    Erschienen: 2015
    Verlag:  CERDI, Clermont-Ferrand

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    Schriftenreihe: Etudes et documents / CERDI ; 2015,16
    Schlagworte: Bank competition; bank efficiency; access to credit; financial stability; Africa
    Umfang: Online-Ressource (49 S.)