An Empirical Study on the Factors Affecting Savings Bank Loan Interest Rates

Factors Affecting Mobile Handset (MH) Buying Decision: An Empirical Study

Mobile technology is getting changed very fast in commensurate with other technological hyper changes. Buyers’ expectation from a new cellular phone is also changing over time. Producers, thereby, have to keep themselves abreast of changes in customer taste and preferences to attract, capture, grow, and retain both existing and potential customers. This study is set to measure factors affecting...

Factors Affecting 3G Adoption: An Empirical Study

3G opens up doors for high-speed transfer of both voice and data. However, the actual adoption rate of 3G has remained below expectations. Thus, it is important to understand the interplay of actors involved in the adoption process of this technology. Prior research suggests that external variables like convenience, self efficacy, service quality and variety of service, perceived value and pric...

Determinants of Commercial Bank Automobile Loan Rates

Bank Capital, Borrower Power, and Loan Rates

We test the predictions of several recent theories of how bank capital affects the rates that banks charge their borrowers. Key to all these theories is the notion that the relative bargaining power of a bank and its borrower are critical. We find that banks with low capital are more sensitive to borrower cash flow than are banks with high capital: lowcapital banks charge relatively more for bo...

Trustworthiness and interest rates: an empirical study of Italian SMEs

Trust is expected to reduce transaction costs and agency costs and thus influence the cost of credit for small businesses. Assessments of trustworthiness are based on the ability, benevolence and integrity of the owner manager. The study examines whether lending managers’ assessments of the trustworthiness of SME owner managers are associated with the interest rate charged. Data were obtained f...