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Articles 1 - 8 of 8
Full-Text Articles in Business
Borrower Discouragement And Gender-Based Discrimination In The Credit Market: Firm-Level Evidence From Southeast Asian Countries, Safi Ullah Khanl, Nurshamimi Binti Abdul Samat
Borrower Discouragement And Gender-Based Discrimination In The Credit Market: Firm-Level Evidence From Southeast Asian Countries, Safi Ullah Khanl, Nurshamimi Binti Abdul Samat
ASEAN Journal on Science and Technology for Development
Access to finance for small and medium-sized enterprises (SMEs) is an important theme in the finance literature, as well as an important policy concern given that SMEs are considered the backbone of an economy, job creation, and economic growth. Bank discouragement be-havior, where an entrepreneur or a firm manager is discouraged from applying for bank credit out of fear of loan application rejection, constitutes an important segment of small business financing and has long-term consequences for SMEs survival, profitability, and growth. Em-pirical studies on bank discouragement behavior have mainly been conducted in developed markets, with little empirical evidence on the …
A Matter Of Life In Debt, Deepika Deshpande
A Matter Of Life In Debt, Deepika Deshpande
Asian Management Insights
Moving away from using debt to tackle economic downturns.
The Role Of Emirates Credit Information Law In Organizing Credit Information To Serve Islamic Banking Finance Companies, Hani Mohamed Mounes Awad
The Role Of Emirates Credit Information Law In Organizing Credit Information To Serve Islamic Banking Finance Companies, Hani Mohamed Mounes Awad
AAU Journal of Business and Law مجلة جامعة العين للأعمال والقانون
The bank shall assess its client’s creditworthiness; assess the extent to which the client requesting the financing is eligible to be granted the bank’s financing or not. Assessing such eligibility shall be based on real reasons and facts so the bank could defend such responsibility in case of prosecution, based on its decision to approve or reject funding and its justified reasons and facts. On the other hand, the credit decision maker should be familiar with the previous transaction financing, because such information contributes to the formation of an opinion of the decision maker that in turn determines the offer …
Economic Growth And Credit In India, Charan Singh Ph.D., Subhash Bharadwaj Pemmaraju, Rohan Das
Economic Growth And Credit In India, Charan Singh Ph.D., Subhash Bharadwaj Pemmaraju, Rohan Das
International Review of Business and Economics
The interdependence between credit expansion and economic growth has been a subject of some debate. While some economists contest that the development of the financial system is a byproduct of economic growth others assert that credit expansion is critical for growth itself. India’s impetus on expanding its banking reach and recent changes in the way transactions are being done begs the question whether such changes directly affect the growth trajectory. This paper aims to examine and understand the relationship between credit and growth in India in the last few decades. Different metrics for credit and output is used to test …
The Roles Of Bank And Trade Credits: Theoretical Analysis And Empirical Evidence, Gangshu (George) Cai, Xiangfeng Chen, Zhiguo Xiao
The Roles Of Bank And Trade Credits: Theoretical Analysis And Empirical Evidence, Gangshu (George) Cai, Xiangfeng Chen, Zhiguo Xiao
Information Systems and Analytics
This study investigates the roles of bank and trade credits in a supply chain with a capital-constrained retailer facing demand uncertainty. We evaluate the retailer's optimal order quantity and the creditors' optimal credit limits and interest rates in two scenarios. In the single-credit scenario, we find the retailer prefers trade credit, if the trade credit market is more competitive than the bank credit market; otherwise, the retailer's preference of a specific credit type depends on the risk levels that the retailer would divert trade credit and bank credit to other risky investments. In the dual-credit scenario, if the bank credit …
Bank Stock Returns Under Money Supply Endogeneity: Empirical Evidence Using Panel Data, Zatul Badarudin, Mohamed Ariff, Ahmed Khalid
Bank Stock Returns Under Money Supply Endogeneity: Empirical Evidence Using Panel Data, Zatul Badarudin, Mohamed Ariff, Ahmed Khalid
Ahmed Khalid
There is as yet a study of money supply effect on the aggregate bank stock prices using modern money supply theories. Endogenous money theory suggests loans made by banks cause deposits, and, consequently, bank creates money supply. Resulting changes in bank’s loans and deposits affects bank stock returns: Also, consequent credit creations/reductions affect a bank’s profitability, thus stock prices. Whether money endogeneity is in fact the way the money supply behaves has also not yet been widely tested. Applying panel regression and generalized method of moments, this paper provides new evidence on this little explored relationship between endogenous money supply …
The National Retail Credit Association: An Experiment In Cooperation For Retail Credit Control, Barbara Tharpe
The National Retail Credit Association: An Experiment In Cooperation For Retail Credit Control, Barbara Tharpe
Honors Theses
With the use of consumer credit becoming more and more widespread, there has been a growing feeling that its use should be controlled. This is an examination of the fundamental developments in the history of the National Retail Credit Association, the leading association of retail credit men, giving special consideration to the idea of credit control. The credit abuses before any form of cooperation or control evolved are presented in the first chapter. Then, the part that the NRCA played in bringing about the cooperation of retail credit men is treated . The NRCA was the first to suggest voluntary …
History Of The National Retail Credit Association, Elizabeth Redford
History Of The National Retail Credit Association, Elizabeth Redford
Honors Theses
With the ever increasing use of credit in our present day economy, it is only fitting that our attention be directed to an organization which, although established less than thirty years ago, has come to be one of the most important institutions in our modern credit economy. This institution is the National Retail Credit Association which was established for the expressed purpose of bettering credit conditions in the field of retall trade. As far as we are able to determine, no complete history of this organization has been published, and it is for this reason that I have endeavored in …