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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 …
Theories And Practices Of Islamic Finance And Exchange Laws: Poverty Of Interest, Ahmed E. Souaiaia
Theories And Practices Of Islamic Finance And Exchange Laws: Poverty Of Interest, Ahmed E. Souaiaia
Ahmed E SOUAIAIA
The Effect Of Educational Debt On The Probability Of Homeownership For College Graduates: An Empirical Analysis, Cole Ikkala
The Effect Of Educational Debt On The Probability Of Homeownership For College Graduates: An Empirical Analysis, Cole Ikkala
Honors Theses
With the average tuition of both public and private institutions on the rise, students are graduating from college with a higher burden of debt than ever before. In turn this is adversely affecting their post-graduation decisions, specifically the purchasing of their first home. With the simultaneous increase of educational debt levels and tightening of lending constraints for mortgages, it is hypothesized that first-time homeownership is being delayed. The purpose of this study is to analyze what exactly is delaying graduates from purchasing a home, the outstanding total educational debt amount or the monthly educational debt repayment amounts. Both can hinder …