Impact Of Institutions On Lending
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Impact Of Institutions On Lending
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Author : Chuluunbaatar Enkhzaya
language : en
Publisher: Springer Science & Business Media
Release Date : 2007-10-08
Impact Of Institutions On Lending written by Chuluunbaatar Enkhzaya and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007-10-08 with Business & Economics categories.
Chuluunbaatar Enkhzaya examines the "inadequate" behaviour of banks in Mongolia by analysing the institutional framework of the banking system, especially in lending. She focuses on the genesis of informal institutions of lending and their interaction with formal institutions of lending. Herewith, informal institutions such as the attitude to risk were indirectly observed by diagnosing the "action-regulating" knowledge of bankers. In order to ensure an effective allocation of the scarce financial resources of Mongolia the author therefore suggests a change - as simultaneous as possible - of formal and informal rules.
The Triangle Of Microfinance
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Author : Manfred Zeller
language : en
Publisher: Intl Food Policy Res Inst
Release Date : 2002-01-01
The Triangle Of Microfinance written by Manfred Zeller and has been published by Intl Food Policy Res Inst this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002-01-01 with Business & Economics categories.
Since the 1980s when the microfinance revolution began, much has been accomplished, but the field became more refined in the 1990s as a result of shifts in paradigms, strategies, and development practices. This volume addresses the three policy objectives that now occupy those who wish to use credit as a development tool: financial sustainability of microfinance institutions, outreach to the poor, and welfare impact. Inevitable tradeoffs exist among these objectives, and the book advances an analytical framework that assists students of and experts in microfinance to identify the tradeoffs and synergies at the institutional level and in the policy environment. The book features a wealth of empirical data and innovative analytical studies, and critically discusses the role of public support for microfinance institutions (MFIs) in light of the social costs and benefits generated by such financial systems. The book is organized into five parts. The first discusses the demand for and access to financial services by the poor, emphasizing that demand-oriented, pro-poor financial services are crucial in reaching the poor. The second is concerned with two of the criteria used to evaluate MFIsoutreach and financial sustainability. The third features innovative econometric studies seeking to evaluate the impact of MFIs at the household level. The fourth looks at the role of both public- and private-sector institutions in developing sustainable financial systems. And the fifth summarizes implications for policy and research. Given the lack of sound, empirical literature on microfinance, this volume is sure to advance knowledge and research methodology in the field.
Impacts Of Interest Rate Cap On Financial Inclusion In Cambodia
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Author : Dyna Heng
language : en
Publisher: International Monetary Fund
Release Date : 2021-04-29
Impacts Of Interest Rate Cap On Financial Inclusion In Cambodia written by Dyna Heng and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-04-29 with Business & Economics categories.
Interest rate caps, despite their intended objective of broadening financial inclusion, can have undesirable effects on financial inclusion under certain conditions. This paper examines the effect of microfinance-loan interest rate caps on financial inclusion in Cambodia. Based on a difference-in-difference analysis on bank and microfinance supervisory data, results show some unintended impact on financial inclusion. The cap led to a significant increase in non-interest fees charged on new loans following the introduction of an annual cap. Microfinance borrowers declined immediately, amid an increase in credit growth, as microfinance institutions targeted larger borrowers at the expense of smaller ones. Microfinance institutions, responded differently to the cap, considering their own operation and funding costs, and client base. Two years after the cap, institutions resumed lending to a wider group of borrowers with lower funding and operation costs brought by mobile payment development.
Microfinance Institutions
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Author : R. Mersland
language : en
Publisher: Springer
Release Date : 2014-12-10
Microfinance Institutions written by R. Mersland and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-12-10 with Business & Economics categories.
Research on MFI performance is still in its infancy. MFIs are hybrid organizations with dual objectives. Performance studies in microfinance are therefore less straightforward compared to performance studies in traditional banking research. This book contains new MFI performance research by top scholars from across the globe.
Effect Of Bank Regulation On Credit Availability
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Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation, and Deposit Insurance
language : en
Publisher:
Release Date : 1993
Effect Of Bank Regulation On Credit Availability written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation, and Deposit Insurance and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1993 with Business & Economics categories.
Agency Actions To Reduce The Negative Impact Of Regulations On Credit Availability
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Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation, and Deposit Insurance
language : en
Publisher:
Release Date : 1993
Agency Actions To Reduce The Negative Impact Of Regulations On Credit Availability written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation, and Deposit Insurance and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1993 with Business & Economics categories.
Finance Development March 2012
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Author : International Monetary Fund. External Relations Dept.
language : en
Publisher: International Monetary Fund
Release Date : 2012-03-14
Finance Development March 2012 written by International Monetary Fund. External Relations Dept. and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-03-14 with Business & Economics categories.
Young people, hardest hit by the global economic downturn, are speaking out and demanding change. F&D looks at the need to urgently address the challenges facing youth and create opportunities for them. Harvard professor David Bloom lays out the scope of the problem and emphasizes the importance of listening to young people in "Youth in the Balance." "Making the Grade" looks at how to teach today's young people what they need to get jobs. IMF Deputy Managing Director, Nemat Shafik shares her take on the social and economic consequences of youth unemployment in our "Straight Talk" column. "Scarred Generation" looks at the effects the global economic crisis had on young workers in advanced economies, and we hear directly from young people across the globe in "Voices of Youth." Renminbi's rise, financial system regulation, and boosting GDP by empowering women. Also in the magazine, we examine the rise of the Chinese currency, look at the role of the credit rating agencies, discuss how to boost the empowerment of women, and present our primer on macroprudential regulation, seen as increasingly important to financial stability. People in economics - C. Fred Bergsten, American Globalist. Back to basics - The multi-dimensional role of banks in our financial systems.
Fair Lending Compliance
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Author : Clark R. Abrahams
language : en
Publisher: John Wiley & Sons
Release Date : 2008-01-02
Fair Lending Compliance written by Clark R. Abrahams and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-01-02 with Business & Economics categories.
Praise for Fair Lending ComplianceIntelligence and Implications for Credit Risk Management "Brilliant and informative. An in-depth look at innovative approaches to credit risk management written by industry practitioners. This publication will serve as an essential reference text for those who wish to make credit accessible to underserved consumers. It is comprehensive and clearly written." --The Honorable Rodney E. Hood "Abrahams and Zhang's timely treatise is a must-read for all those interested in the critical role of credit in the economy. They ably explore the intersection of credit access and credit risk, suggesting a hybrid approach of human judgment and computer models as the necessary path to balanced and fair lending. In an environment of rapidly changing consumer demographics, as well as regulatory reform initiatives, this book suggests new analytical models by which to provide credit to ensure compliance and to manage enterprise risk." --Frank A. Hirsch Jr., Nelson Mullins Riley & Scarborough LLP Financial Services Attorney and former general counsel for Centura Banks, Inc. "This book tackles head on the market failures that our current risk management systems need to address. Not only do Abrahams and Zhang adeptly articulate why we can and should improve our systems, they provide the analytic evidence, and the steps toward implementations. Fair Lending Compliance fills a much-needed gap in the field. If implemented systematically, this thought leadership will lead to improvements in fair lending practices for all Americans." --Alyssa Stewart Lee, Deputy Director, Urban Markets Initiative The Brookings Institution "[Fair Lending Compliance]...provides a unique blend of qualitative and quantitative guidance to two kinds of financial institutions: those that just need a little help in staying on the right side of complex fair housing regulations; and those that aspire to industry leadership in profitably and responsibly serving the unmet credit needs of diverse businesses and consumers in America's emerging domestic markets." --Michael A. Stegman, PhD, The John D. and Catherine T. MacArthur Foundation, Duncan MacRae '09 and Rebecca Kyle MacRae Professor of Public Policy Emeritus, University of North Carolina at Chapel Hill
Information Technology In World Bank Lending
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Author : Nagy Hanna
language : en
Publisher: World Bank Publications
Release Date : 1993-01-01
Information Technology In World Bank Lending written by Nagy Hanna and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 1993-01-01 with Business & Economics categories.
This study describes a strategy to reduce poverty by boosting labor productivity and economic growth. It focuses on Uganda's two key sectors, agriculture and industry. The strategy seeks to make Uganda a self-sufficient food producer and a major crop exporter. It also advocates policies that would make the nation less dependent on imports and better at marketing its own products. Some suggestions include ways to improve labor markets, raise agricultural output, and broaden the tax base. Other recommendationsdiscuss ways to develop the financial sector and spur savings and investment. Also examined are the government's economic adjustment policies and their effects on the poor. Analysts point out the different ways that poverty affects men and women. The study also discusses how to increase public funds for social services that would improve the labor force. It recommends policies that will help women become full partners in Uganda's development. Tables and other illustrations throughout the text provide detailed statistics on Uganda's economic status. Topics include crop yields, poverty indicators, gross domestic product, and public sector expenses.
Banking And Beyond
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Author : Caterina Cruciani
language : en
Publisher: Springer Nature
Release Date : 2020-08-13
Banking And Beyond written by Caterina Cruciani and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-08-13 with Business & Economics categories.
This book explores the evolution of the banking sector and the financing tools it fosters, addressing the impact of new regulations and the ensuing opportunities for financial institutions, firms, and individuals. Written in two parts, the project includes papers presented at the 2019 Annual Conference of the Wolpertinger Club - The European Association of University Teachers in Banking and Finance. The first part addresses the impact of policy changes on banks and financial institutions, particularly the impact of recent changes in European policy. The authors explore how policy has been, and is, communicated and how it shapes new incentives and challenges for the banking sector and institutional and individual investors. The book touches upon the debate on the 'bail-in' vs 'bail-out' options and reviews new opportunities for investors on covered and subordinated bond markets in Europe, covering the new regulatory structure provided by the European authorities. The second part explores new financing tools besides the traditional banking sector available to firms and individuals, examining financing options for firms and individuals, and describing the role that alternative capital-market tools such as mini bonds and crowdfunding are playing within the landscape of SME financing. Arguing that financing decisions can ultimately affect the survival rate of startups, this edited collection will be valuable to those researching both finance and business, but particularly to those studying banking, financial institutions and entrepreneurial finance.