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Informational synergies in consumer credit
(2015-12-17)
Lenders can tap into multiple sources of private information to assess consumer credit risk but little is known about the informational synergies between these sources. Using unique panel data on checking accounts and ...
Debt, Poverty and Resource Management in a Rural Smallholder Economy
(Springer, 2016)
This paper develops a model to capture the key features of poverty, credit constraints and resource management faced by poor rural households. We assume that, due to the existence of asymmetric information and moral hazard, ...
Household borrowing constraints and monetary policy in emerging economies
(2015-03-02)
Credit markets in emerging economies can be distinguished from those in advanced economies in many respects, including the collateral required for households to borrow. This work proposes a DSGE framework to analyze one ...