This paper explores how bank characteristics and the institutional environment influence the composition of banks’ loan portfolios. Using a new data set based on the recent EBRD Banking Environment and Performance Survey (BEPS), which was conducted in 2005 for 220 banks in 20 transition countries, we show that bank characteristics such as ownership and size are important determinants of bank cu...

Tujuan dari penelitian ini adalah untuk mengetahui apakah P2P Lending dapat menggantikan atau menjadi pelengkap Bank dalam kegiatan pelayanan keuangan ke UMKM dan memberikan alternatif solusi, baik bagi maupun yang menyediakan layanan KUR. Lokasi di Kabupaten Pesawaran. Populasi seluruh ada Teknik pengambilan sampel menggunakan cluster random sampling , yaitu dengan tahap (1) Membagi Pesawaran ...

This paper studies the equilibrium predatory practices that may arise when the borrowers have behavioral weaknesses. Rational lenders offer short term contracts that can be renewed at the cost of paying a penalty fee. We show how the optimal contracts depend on the degree of näıveté of the time inconsistent customers. Penalty fees have a dual role : they increase market share by providing a use...

the central cooperative banks occupy a crucial position in the pyramidal structure of agricultural cooperative banking system. they from the backbone of the agricultural credit structure and provide the vital line between the primary agricultural societies and the state apex cooperative bank functioning at the state level. the study is based on secondary data obtained from annual reports of edc...

â â â â  kangwon national university, south korea â â yonsei university, south korea â â  [1] â  kangwon national university, south korea â â â  abstract â  t his paper aims to understand the structure and determinants of international bank l ending among apec economies. specifically, this paper first aims to analyze whether australia canada japan chinese taipei and the united states, which are...

Why did the mortgage market melt down so badly? Why were there so many defaults when the economy was not particularly weak? Why were the securities based upon these mortgages not considered anywhere as risky as they actually turned out to be? It is the thesis of this paper that, in an attempt to increase homeownership, particularly by minorities and the less affluent, an attack on underwriting ...

Micro…nance is typically associated with joint liability of group members. However, a large part of micro…nance institutions rather o¤ers individual instead of group loans. We analyze the incentive mechanisms in both individual and group contracts. Moreover, we show that micro…nance institutions o¤er group loans when the loan size is rather large, re…nancing costs are high, and competition betw...

This paper presents a theoretical model to describe the effects of default risk on international lending to LDC sovereign borrowers. The threat of defaults in international lending is shown to give rise to many characteristics of the syndicated loan market: (1) quantity rationing of loans; (2) LDC policies designed to enhance creditworthiness; (3) prevalence of short maturities on international...