Rupeika-Apoga, Ramona; Priede, Janis; Berzins, Gundars; … - In: Digital Business 5 (2025) 2, pp. 1-12
The Latvian banking sector presents a policy and institutional puzzle: it maintains high loan interest rates despite low loan-to-deposit ratios and limited lending activity within the European Union. Anchored in credit rationing theory, this study investigates the institutional, regulatory, and...