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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: January 2023
    Verlag:  Bank for International Settlements, Monetary and Economic Department, [Basel]

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    Standort:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signatur:
    VS 546
    Fernleihe:
    keine Fernleihe
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    Quelle: Verbundkataloge
    Sprache: Englisch
    Medientyp: Buch (Monographie)
    Format: Online
    Schriftenreihe: BIS working papers ; no 1071
    Schlagworte: access to credit; household finance; labor mobility; spatial mismatch
    Umfang: 1 Online-Ressource (circa 44 Seiten), Illustrationen
  2. 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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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signatur:
    DS 244
    Fernleihe:
    keine Fernleihe

     

    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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    Quelle: Verbundkataloge
    Sprache: Englisch
    Medientyp: Buch (Monographie)
    Format: Online
    Weitere Identifier:
    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
  3. 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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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signatur:
    DS 686
    Fernleihe:
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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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    Sprache: Englisch
    Medientyp: Ebook
    Format: Online
    ISBN: 9789523234253
    Weitere Identifier:
    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
  4. 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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    Standort:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
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    DS 176
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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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    Quelle: Verbundkataloge
    Sprache: Englisch
    Medientyp: Buch (Monographie)
    Format: Online
    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