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The inequality-credit nexus
(Elsevier Ltd, 2019)
© 2018 Elsevier LtdThis paper explores the inequality-credit nexus from both a theoretical and an empirical perspective. The paper develops an overlapping generation model in which the effect of income inequality on private ...
The effect of information sharing between lenders on access to credit, cost of credit, and loan performance - evidence from a credit registry introduction
(Elsevier Science Bv, 2012-11)
Using a rich dataset from a commercial bank in Albania, we utilize the introduction of a public credit registry by the Albanian central bank in January 2008 as a natural experiment to analyze the effect of information ...
Interest rates and informational issues in the credit market: experimental evidence from Brazil
(Pergamon-Elsevier Science Ltd, 2014-07)
This paper utilizes Brazilian data to investigate interest-rate sensitivity and informational issues associated with the credit demand of the middle-income class in a large emerging economy. This study's data were collected ...
A credit risk model for consumer loan portfolios
(2007)
We propose a credit risk model for consumer loan portfolios in Brazil. Consumer profiles and the risk classification of credit operations are used to segment the portfolios. Credit loss distributions for each segment are ...
CREDIT CARDS’ CONTROL IN COSTA RICAREGULACIÓN DE LAS TARJETAS DE CRÉDITO EN COSTA RICA
(Universidad de Costa Rica, 2013)
Weather Variability, Credit Scores and Access to Credit: Evidence from Colombian Coffee Farmers
(Universidad de los Andes, Facultad de Economía, CEDE, 2020)
This paper studies how weather variability affects credit scores and credit access in developing countries. Using rich administrative data on loans to coffee farmers from a large Colombian bank, I show that negative weather ...
Exogenous shocks, credit reports and access to credit: Evidence from colombian coffee producers
(Universidad de los Andes, Facultad de Economía, CEDE, 2021)
Credit reporting systems have become a widespread tool to assess the creditworthiness of prospective borrowers. This paper studies the implications for credit access of using them in contexts where exogenous and transitory ...
Credit granting to small firms: a Brazilian case
(Elsevier Science Inc, 2011-03)
Transaction costs limit the supply of credit to small and medium-sized firms (SMEs). From a sample of 65,535 SME credit proposals submitted to a large Brazilian bank between January 2004 and September 2006, this research ...
Information in CDS spreads
(Elsevier Science Bv, 2017-02)
We investigate how public and private information affects corporate CDS spreads prior to rating announcements. First, CDS spreads of firms with high news intensity change significantly earlier and more strongly prior to ...
Poly-bagging predictors for classification modelling for credit scoring
(PERGAMON-ELSEVIER SCIENCE LTD, 2011)
Credit scoring modelling comprises one of the leading formal tools for supporting the granting of credit. Its core objective consists of the generation of a score by means of which potential clients can be listed in the ...