This paper endeavours to assess the viability of the FONGS FINRURAL, a nascent network of 09 rural savings and credit …. Regarding the credit delivery, it appears that except ordinary loans, most of the loan products catered for are seasonal or …. To provide such credit products, MFIs rely on three main sources: the deposits, the borrowings and their equity. Most of …

This article analyzes factors influencing the decisions of prospective lenders to extend credit to small and minority … commercial banks)are four times more likely to deny credit to firms owned by African-Americans than to firms owned by Non …-Hispanic whites, and are twice as likely to deny credit to firms owned by Asian-Americans than to firms owned by Non-Hispanic whites …

to more risky assets under the current capital requirements for credit risk because the regulatory capital levels are …

encourage banking institutions to supply credit to the economy. Increased bank supply of credit is a good thing but too much of … reserves to boost credit supply in line with expectations of monetary authorities, particularly, in Asia and UK (ii) consistent … with the credit smoothing hypothesis, US and Chinese banks smooth credit supply to minimize unintended stock market …

While not being widespread, stress tests of credit risk are not new in the Argentine financial system, neither for …, with different statistical methodologies, to explain bank losses for credit risk with bank-specific and macroeconomic … variables. In a second step, the macroeconomic drivers of bank losses, real GDP growth and cost of short term credit, are …

force. This new decree brings some new aspects in credit risk regulation. The aim of this paper is to characterize the main … changes in credit risk regulation due to Basel II and to outline the effects on the availability of loans for nonfinancial … companies. According to the new rules, the bank’s capital charge is calculated to capture credit, market and operational risk …