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Banking x Microeconomics x Economic Development x clear all

Access to Financial Services: Measurement, Impact, and Policies

Thorsten Beck, Asli Demirgüç-Kunt and Patrick Honohan.

in The World Bank Research Observer

February 2009; p ublished online February 2009 .

Journal Article. Subjects: Microeconomics; Financial Institutions and Services; Banking; Economic Development. 9503 words.

In many developing countries less than half the population has access to formal financial services, and in most of Africa less than one in five households has access. Lack of access to...

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A behavioral model of simultaneous borrowing and saving

Karna Basu.

in Oxford Economic Papers

October 2016; p ublished online May 2016 .

Journal Article. Subjects: Intertemporal Choice and Growth; Banking; Economic Development. 3304 words.

Why do individuals borrow and save at the same time? This paper proposes a new explanation in settings where savings are not secure. A sophisticated hyperbolic discounter who foresees an...

Does a Picture Paint a Thousand Words? Evidence from a Microcredit Marketing Experiment

Xavier Giné, Ghazala Mansuri and Mario Picón.

in The World Bank Economic Review

October 2011; p ublished online July 2011 .

Journal Article. Subjects: Banking; Production and Organizations; Information, Knowledge, and Uncertainy; Economic Development. 10995 words.

Female entrepreneurship is low in many developing economies partly due to constraints on women's time and mobility, often reinforced by social norms. We analyze a marketing experiment...

The fat years: the structure and profitability of the US banking sector in the pre-crisis period

Fiona Tregenna.

in Cambridge Journal of Economics

July 2009; p ublished online July 2009 .

Journal Article. Subjects: Mergers and Acquisitions; Economic Development; Banking; Market Structure, Firm Strategy, and Market Performance; Market Structure and Pricing. 10012 words.

Bank profitability in the USA was extremely high in the pre-crisis period, yet this did not prevent the current crisis. It has become clear that these profits were on shaky grounds and also...

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Financing from Family and Friends

Samuel Lee and Petra Persson.

in The Review of Financial Studies

September 2016; p ublished online May 2016 .

Journal Article. Subjects: Corporate Governance; Banking; Economic Development; Household Behaviour and Family Economics; Welfare Economics. 19816 words.

Most informal finance comes from family and friends. Existing informal finance theories cannot match two characteristics of family finance: family investors may accept below-market or even...

Getting Credit to High Return Microentrepreneurs: The Results of an Information Intervention

Suresh de Mel, David McKenzie and Christopher Woodruff.

in The World Bank Economic Review

October 2011; p ublished online May 2011 .

Journal Article. Subjects: Banking; Production and Organizations; Information, Knowledge, and Uncertainy; Economic Development. 11981 words.

Small-scale entrepreneurs typically cite access to finance as the most important constraint to growth. Recent randomized experiments have shown the return to capital to be very high for the...

Information, the Cost of Credit, and Operational Efficiency: An Empirical Study of Microfinance

Mark J. Garmaise and Gabriel Natividad.

in The Review of Financial Studies

June 2010; p ublished online April 2010 .

Journal Article. Subjects: Banking; Investment Banking; International Financial Markets; Economic Development; Information, Knowledge, and Uncertainy. 13354 words.

We provide direct evidence on the impact of asymmetric information on both financing and operating activities through a study of credit evaluations of microfinance institutions (MFIs). We...

Subsidies and capital markets: implications for microfinance loan portfolios

Eric Van Tassel.

in Oxford Economic Papers

April 2016; p ublished online October 2015 .

Journal Article. Subjects: Banking; Economic Development; Information, Knowledge, and Uncertainy. 9307 words.

I model a microfinance lender that receives subsidized funding from external investors who value the social impact of the lender. The impact depends on the lender’s type, which is not...