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LOWER FINANCIAL LITERACY INDUCES USE OF INFORMAL LOANS
(Fundacao Getulio Vargas, 2018)
Finance literature documents associations between a family's financial literacy and its propensity to borrow. However, most studies focus exclusively on formal loan markets. Based on 2,023 observations about financial ...
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 ...
Identifying the factors that affect the knowledge of mortgage loans' total cost
(Emerald, 2021)
Purpose - This study identifies the factors that affect the knowledge of mortgage loans' total cost.
Design/methodology/approach - Empirical research utilizing a survey administered through in-home interviews was ...
How do lending relationships affect access to credit and loan conditions in microlending?
(Elsevier Science Bv, 2011-08)
A key problem facing microlenders is the high level of information asymmetry between them and their borrowers. In this paper, we analyze whether the relationship intensity between microlenders and borrowers helps to overcome ...
Multiple-bank lending with a public signal
(El Autor, 2022)
Gail Gradowski, Loane Snavely y Paula Demsey. Designs for active learning: a sourcebook of classroom strategies for information educationGail Gradowski, Loane Snavely y Paula Demsey. Designs for active learning: a sourcebook of classroom strategies for information education
(Instituto de Investigaciones Bibliotecológicas y de la Información, 2009)
More than words: broader information sharing and access to the formal credit market
(2017-03-28)
Esse estudo mostra como mecanismos de compartilhamento de informação podem permitir Micro e Pequenas Empresas (MPEs) podem melhorar seu acesso a mercados de crédito formais. Utilizando uma base de dados única obtida junto ...
Information asymmetry and competition in credit markets: the pricing of overdraft loans in Brazil
(Escola de Pós-Graduação em Economia da FGV, 2005-02-17)
This paper evaluates how information asymmetry affects the strength of competition in credit markets. A theory is presented in which adverse selection softens competition by decreasing the incentives creditors have for ...
Substitution effects in SME finance
(2018-03-20)
We investigate whether SMEs with demand for credit increase their trade credit usage after they experience a negative shock to bank credit. We base our analysis on a large sample of SMEs from the five biggest European ...