... credit family loans G21 O16 O17 How do households cope with economic shocks? Economic theory presumes that households deal with shocks by drawing on savings or selling assets, but survey work indicates that households use a variety of strategies ( Aytaç, Rankin, and İbikoğlu 2015 ). They may...

... by the FSLIC from 1934 to 2020. FDIC, Federal Deposit Insurance Corporation; FSLIC, Federal Savings and Loans Insurance Corporation; S&L, savings and loans. During the crises of 1980s, these two related sectors of the US banking industry, namely commercial banks and S&L’s, witnessed the highest number...

.... This cost is the annual percentage rate (APR), and it is set at the loan’s origination. A borrower’s credit profile is dynamic, however, and the risk of default gradually declines for current loans. In this article, we derive a novel large-sample statistical hypothesis test suitable for loans sampled from...

... that its relevance for the transmission of monetary policy at the macro level is limited. banks deposits loans deposit rate spread monetary policy shocks Bayesian VAR E44 E51 G20 G21 C11 The effects of monetary policy interventions on bank lending have been studied for a long time...

... to raise the moral standards and to support special actions against some notorious frauds. ¹¹ Given his excellent financial standing, Ricardo was now ready to enter into a higher level of the world of finance: the competition for British Loan contracts. Abstract Paul Samuelson and others...

... is published and distributed under the terms of the Oxford University Press, Standard Journals Publication Model ( https://dbpia.nl.go.kr/pages/standard-publication-reuse-rights ) Abstract Do different loan application formats affect consumer loan requests? Six studies show that when consumers are asked...

...Kjetil Bjorvatn; Bertil Tungodden village savings and loans associations field experiment disability Uganda JEL Classification: O15, O16 Village savings and loans associations (VSLAs) are self-help groups where members save and lend to each other, receiving only technical support from...

... with similar characteristics, that is, distance to the coast, elevation above sea level, property type (single family home, two to four family home, or condo/townhouse), and property appraisal value, and for borrowers with similar risk profiles (i.e., FICO scores and loan-to-value ratios). Importantly, our...

... are close to the zero lower bound, however, the focus turns to the effects of unconventional policy tools. In the next subsection, we discuss how forward guidance in particular might affect bank lending and loan pricing. We also consider four important extensions of our analysis. The first is on borrower...

... markets history US Government credit state E5 monetary policy central banking and the supply of money and credit H81 governmental loans loan guarantees credits grants bailouts N12 U.S Canada: 1913—macroeconomics and monetary economics industrial structure growth fluctuations Sarah Quinn’s...

.../funder_policies/chorus/standard_publication_model ) children homeownership medical debt payday loans repeat borrowing Economic well-being—the ability of populations to enjoy present and future financial security—has been a major goal of social work toward achieving social and economic justice ( Council...

...Wilfried Parys The more than 200 subscribers on their list were positively surprised by the unusually competent, just and equitable way the Loan was distributed among them. They organised a special meeting, and unanimously decided to thank Ricardo and his co-contractors, by presenting each of them...

... and Finance Law, School of Law, University of Reading, Reading, RG6 7BA, UK. This research has been supported by the British Academy Leverhulme Grants Round Scheme 2017 within the project ‘Restructuring Non-performing Loans for Economic Recovery: Private Workouts and Securitization Mechanisms’. Preliminary...

... the structure of global lending syndicates. Using globally syndicated loans extended by banks from forty-four countries, we find that strictly regulated banks participate more in syndicates originated by lead lenders facing less stringent capital regulations. The resulting lending syndicates extend loans...

... and Panizza 2018 ). But direct financing is constrained by the loan capacity of MDBs, which is small compared to countries’ needs: the demand for financing well exceeds the supply of what MDBs can finance directly ( United Nations 2015 ). For this reason, MDBs have recently reaffirmed their pledge to catalyze...

... the debate on the financing of university systems. An attractive alternative to the current general-tax-financed subsidies is Income Contingent Loans (ICL), a flexible scheme that puts more weight on private resources while enhancing progressivity. One challenge of the viability of ICL systems...

... influence bank loan characteristics of geographically proximate firms. Controlling for industry contagion and local economic conditions, firms headquartered near a bankruptcy event experience a 7 basis point increase in loan spreads. The effect is transitory and cannot be fully explained by local correlated...

...Sarah Paterson covenant-lite loans private equity corporate insolvency corporate bankruptcy corporate restructuring corporate reorganisation This article is, so far as the author is aware, the first to examine in detail the implications of the explosion of covenant-lite lending in the UK...

... and the extent of earnings inequality. Administrative data Graduate earnings Labour force survey Student loans A rich literature has shown the power of administrative tax records to understand better the earnings of subpopulations (e.g. Chetty et al. ( 2014a , 2014b )). Such data have comprehensive...

..., there are investigations aimed at describing and explaining the large variation between libraries, analyses of the pattern of title incidence in libraries and consideration of alternative sampling schemes. confidence intervals data analysis library loans precision of author payments REFERENCES Bagust...