In December days are shorter but loans are cheaper
نویسندگان
چکیده
Abstract This study analyzes the month‐of‐the‐year effect on lending decisions. Using data from a large US peer‐to‐peer lender, we perform regressions of loan acceptance and rate month dummy variables. We find evidence pricing. December is best to ask for loan, with highest chance lowest rate. test potential explanations calendar anomalies some support trade loading, such that granted loans might be inflated at end quarter hit quarterly targets.
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ژورنال
عنوان ژورنال: Economic Inquiry
سال: 2022
ISSN: ['0043-3640', '1465-7295', '0095-2583']
DOI: https://doi.org/10.1111/ecin.13075