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Essays On Moral Hazard, Bank Size, Influence, And Risk At The Federal Home Loan Banks, James Cash Acrey
Essays On Moral Hazard, Bank Size, Influence, And Risk At The Federal Home Loan Banks, James Cash Acrey
Graduate Theses and Dissertations
Two chapters of research on the Federal Home Loan Bank advances, bank risk, and influence are presented. Federal Home Loan Bank (FHLB) advances are a growing source of debt financing for US banks. FHLB advances are not priced according to bank credit risk, creating potential for moral hazard. FHLB advances are positively related to contemporary bank risk, but the relation between prior advances and subsequent risk varies between large vs. small banks depending upon the risk measure used. The relation between FHLB advances and various measures of bank risk varies between pre-crisis (2005-07), crisis (2008-09), and post-crisis (2010-12) periods differently …
Improving And Monitoring The Microlending Program In Belize, Mark Mccallum
Improving And Monitoring The Microlending Program In Belize, Mark Mccallum
Finance Undergraduate Honors Theses
This paper assesses the Microlending and Cayes to Business Programs within the Community Development in Belize Study Abroad Program at the University of Arkansas. The Microlending Program makes low-interest loans to small businesses primarily in Dangriga, Belize. Recently, the lending activity has expanded and concerns about repayment have increased. This paper proposes various improvements to maintain consistent loan repayment and healthy expansion of the Microlending Program. The most important ideas are to enhance social pressure on the borrowers and improve monitoring in-country after the loans have been disbursed. Cayes to Business, an educational program required for microloan applicants, is also …
Hot Crime: Economic Analysis And Insight Into The Relationship Between A City's Latitude And Its Rate Of Violence, Erin K. Piepenbrok
Hot Crime: Economic Analysis And Insight Into The Relationship Between A City's Latitude And Its Rate Of Violence, Erin K. Piepenbrok
Economics Undergraduate Honors Theses
Every day in America, a case of violent crime makes headlines across the television, newspapers, websites, and social media. These tragedies deeply affect those directly involved and the communities in which the crimes take place. Not only are individuals physically and mentally affected by violent crime, but communities and cities suffer an economic loss from rising violent crime rates. Reducing the current rates of violent crime (robbery, assaults, rapes, and murders) can reduce costs for cities and taxpayers, while ultimately improving the quality of life for Americans. Research into what affects violent crime rates lead to discoveries that unemployment, gun …