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Credit Union Loan Rate Determinants During The Post-2009 Expansion, Esmeralda Patricia Muniz
Credit Union Loan Rate Determinants During The Post-2009 Expansion, Esmeralda Patricia Muniz
Open Access Theses & Dissertations
Credit union deposits have grown substantially in recent years. Given that, an increasing number of consumers and small businesses are joining credit unions as members. This study investigates the determinants of credit union loan rates during a period of economic expansion in the United States using fourth quarter 2015 data for 5,942 credit unions. Five different interest rate categories are analyzed using nine potential loan rate determinants. The results indicate that credit union loan rates tend to be lower when economies of scale exist, while high ratios for net charge-offs and operating costs cause interest rates to increase. Opposite of …
Waiting For The Confidence Fairy: An Analysis Of European Sovereign Bond Spreads Before And After The Financial Crisis, David Uresti
Waiting For The Confidence Fairy: An Analysis Of European Sovereign Bond Spreads Before And After The Financial Crisis, David Uresti
Open Access Theses & Dissertations
The 2008 Financial Crisis that began in the United States caused widespread panic throughout the financial sector which resulted in the collapse of some companies and large losses for others. The availability of credit declined even as investor confidence continued to deteriorate. The European periphery concluded that the Financial Crisis would be relegated to the American economy. However, in 2009 Greece suffered a credit downgrade that signaled that the financial shock entered European shores. Shortly thereafter Spain suffered a credit downgrade followed by Italy in 2010. Suddenly the threat of default by a number of European countries became very real. …
Reits And Stock Market Cointegration, Jessie E. Felix
Reits And Stock Market Cointegration, Jessie E. Felix
Open Access Theses & Dissertations
Real Estate is popular among investors looking for attractive total returns, predictable price movements, and low correlations to the general equity markets. The financial crisis of 2007 led by real estate mortgage defaults led to a universal bear market, and a credit freeze which impacted REITs ability to raise capital. REITs long viewed perception as a distinct asset class was questioned as a result. Research analyzing REITs long run trends find evidence of an existing long run relationship between REITs, and the S&P. This paper employs the same cointegration framework of prior studies using a longer sample period, and favors …
The Effect Of Incubator Participation In Developed Market Direct Entry By Emerging Market Firms, Ebetuel Pallares-Venegas
The Effect Of Incubator Participation In Developed Market Direct Entry By Emerging Market Firms, Ebetuel Pallares-Venegas
Open Access Theses & Dissertations
Motivated by the increased resurgence of emerging markets, this dissertation draws from a milieu of academic disciplines and professional experiences to study a previously undocumented phenomenon. This study empirically measures the increase in emerging market firm (EMF) absorptive capacity obtained during their developed market entry by participating in incubators in the United States. This study lays out both a theoretical and an empirical model of product commercialization focusing on absorptive capacity and the moderating effect of incubator participation. The study employs a sample of high-technology firms from Mexico entering the United States during the time period from 2009 to 2011. …