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Essays On Bank Performance, Strategic Behavior, And Community Development With A Focus On Minority Depository Institutions And The Political Economy Of Forgiving Student Loans, Guncha Babajanova

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I explore questions related to financial institutions, the accessibility of financial services, community development, and the political economy of forgiving student loans using the ideas from spatial economics, industrial organization, and public choice. Increased access to financial services improves the economic outcomes of individuals and firms in the community. Understanding sources leading to a lower accessibility of financial services is integral for an effective endeavor to lower barriers to financial services with far-reaching policy and economic implications. The economic literature provides evidence of the beneficial effects of increased access to financial services as well as the adverse effects of diminished …