Search Results - subject_exact:"Revolving credit"

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The unprecedented fall in U.S. revolving credit

Raveendranathan, Gajendran; Stefanidis, Georgios - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015399139

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The unprecedented fall in U.S. revolving credit

Raveendranathan, Gajendran; Stefanidis, Georgios - 2020

Book / Working Paper

The cost of bank regulatory capital

Plosser, Matthew C.; Santos, João A. C. - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014528724

Sending out an SMS: automatic enrollment experiments for overdraft alerts

Grubb, Michael D.; Kelly, Darragh; Nieboer, Jeroen; … - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014541919

Bank Runs and Interest Rates : A Revolving Lines Perspective

Bräuning, Falk; Ivashina, Victoria - 2026

Revolving credit is at the core of the banking business. Corporate revolving lines are demandable claims; thus, similar to a traditional run on deposits, sudden and widespread drawdowns can destabilize banks. However, unlike deposits, credit line utilization exhibits substantial interest rate...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015611183

In the red : overdrafts, payday lending, and the underbanked

Di Maggio, Marco; Ma, Angela; Williams, Emily - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015400803

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In the red : overdrafts, payday lending and the underbanked

Di Maggio, Marco; Ma, Angela T.; Williams, Emily - 2020

Book / Working Paper

In the Red : Overdrafts, Payday Lending and the Underbanked

Di Maggio, Marco; Ma, Angela; Williams, Emily - 2022

Book / Working Paper

In the Red : Overdrafts, Payday Lending and the Underbanked

Di Maggio, Marco; Ma, Angela; Williams, Emily - 2021

Book / Working Paper

Household financial decision-making after natural disasters : evidence from Hurricane Harvey

Del Valle, Alejandro; Scharlemann, Therese; Shore, … - 2022

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013175604

Perceived precautionary savings motives : evidence from FinTech

D'Acunto, Francesco; Rauter, Thomas; Scheuch, Christoph; … - 2020

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012220035

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Perceived Precautionary Savings Motives : Evidence from Fintech

D'Acunto, Francesco; Rauter, Thomas; Scheuch, Christoph; … - 2022

Book / Working Paper

Perceived Precautionary Savings Motives : Evidence from FinTech

D'Acunto, Francesco - 2020

Book / Working Paper

Perceived Precautionary Savings Motives : Evidence from FinTech

D'Acunto, Francesco - 2020

Book / Working Paper

Perceived Precautionary Savings Motives : Evidence from FinTech

D’Acunto, Francesco - 2020

Book / Working Paper

Designing "win-win" rate caps

Raveendranathan, Gajendran; Stefanidis, Georgios - 2022

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012938972

La dinámica de los préstamos de consumo en 2020 en Argentina : una aproximación mediante modelos de corrección de error

Gómez Aguirre, Maximiliano; Krysa, Ariel - 2022

With the aim of quantifying the effect of the decrease in interest rates on consumer loans (both credit cards and personal loans, in local currency to the non-financial private sector) in Argentina between March and December 2020, monthly error correction models are estimated, and counterfactual...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012802032

Revolving credit to smes : the role of business credit cards

Benetton, Matteo; Buchak, Greg - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015323390

The Impact of Payday Lending on Crimes

Shen, Chen - 2021

Police departments located in states allowing payday lending report 14.34% more property crimes than the police departments located in states not allowing payday lending. I also find that the police departments located in counties bordering with states allowing payday lending report more...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014351869

Understanding consumer financial wellbeing through banking data

Gladstone, Joe; Nieboer, Jeroen; Raghavan, Karthik - 2020

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013168467

From incurred loss to Current Expected Credit Loss (CECL) : a forensic analysis of the allowance for loan losses in unconditionally cancelable credit card portfolios

Canals-Cerdá, José J. - 2020

The Current Expected Credit Loss (CECL) framework represents a new approach for calculating the allowance for credit losses. Credit cards are the most common form of revolving consumer credit and are likely to present conceptual and modeling challenges during CECL implementation. We look back at...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012198568

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From incurred loss to Current Expected Credit Loss (CECL) : a forensic analysis of the allowance for loan losses in unconditionally cancelable credit card portfolios

Canals-Cerdá, José J. - 2018

Book / Working Paper

Payday

Arbel, Yonathan A. - 2020

Legislation lags behind technology all too often. While trillions of dollars are exchanged in online transactions—safely, cheaply, and instantaneously—workers still must wait two weeks to a month to receive payments from their employers. In the modern economy, workers are effectively lending...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012840402

Online Payday Lenders : Trusted Friends or Debt Traps?

Chen, Vivien - 2020

The recent Senate inquiry into credit and hardship underscored the prevalence of predatory conduct in the payday lending industry. The rise of digitalisation has increased consumer access to high-cost payday loans and the ensuing risk of debt spirals. The article examines the marketing...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012833215

In the Red : Overdrafts, Payday Lending and the Underbanked

Maggio, Marco Di - 2020

The reordering of transactions from "high-to-low" is a controversial bank practice thought to maximize fees paid by low-income customers on overdrawn accounts. We exploit multiple class-action lawsuits resulting in mandatory changes to this practice, coupled with payday lending data, to show...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012482460

Payday Lending

Burke, Kathleen - 2019

In this Data Point we present the results of several analyses of consumers' use of payday loans. The focus of the analyses is loan sequences, the series of loans borrowers often take out following a new loan. Key findings of this report include:• Over 80% of payday loans are rolled over or...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012897660

Do firms use credit lines to support investment opportunities? : evidence from success in R&D

Lee, Jiyoon - 2022

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013478516

Improved matching, directed search, and bargaining in the credit card market

Raveendranathan, Gajendran - 2018

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011817900

Unshrouding effects on demand for a costly add-on : evidence from bank overdrafts in Turkey

Alan, Sule; Cemalcılar, Mehmet; Karlan, Dean; Zinman, … - 2016

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011446702

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Unshrouding Effects on Demand for a Costly Add-On : Evidence from Bank Overdrafts in Turkey

Alan, Sule - 2015

Book / Working Paper

Unshrouding Effects on Demand for a Costly Add-on : Evidence from Bank Overdrafts in Turkey

Alan, Sule - 2015

Book / Working Paper

From incurred loss to current expected credit loss : a forensic analysis of the allowance for loan losses in unconditionally cancelable credit card portfolios

Canals-Cerdá, José J. - 2020

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012494772

The Politics of Payday Lending Regulation in Australia

Ali, Paul - 2015

The regulation of payday lending in Australia has recently been reformed. The reforms followed a highly charged and polarised debate between the conflicting interests of consumer and welfare advocates — who argued for increased protection for payday loan borrowers — and the payday loan...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013034102

Unshrouding effects on demand for a costly add-on : evidence from bank overdrafts in Turkey

Alan, Sule; Cemalcilar, Mehmet; Karlan, Dean; Zinman, … - 2015

Models of shrouding predict that firms lack incentives to compete on add-on prices. Working with a large Turkish bank to test SMS direct marketing promotions to 108,000 existing checking account holders, we find that messages promoting a large discount on the overdraft interest rate reduce...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10010481055

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Unshrouding effects on demand for a costly add-on : evidence from bank overdrafts in Turkey

Alan, Sule; Cemalcilar, Mehment; Karlan, Dean; Zinman, … - 2015

Book / Working Paper

Unshrouding effects on demand for a costly add-on : evidence from bank overdrafts in Turkey

Alan, Sule; Cemalcilar, Mehment; Karlan, Dean; Zinman, … - 2015

Book / Working Paper

Payday Lending

Caskey, John - 2014

This paper analyzes payday lending. Payday lenders generally make uncollateralized loans of $100 to $500 that borrowers agree to repay within about two weeks. Annualized interest rates on these loans are typically 400% or more. This paper explains the key features of payday loan contracts,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013053329

Banks and payday lenders : friends or foes?

Barth, James R.; Hilliard, Jitka; Jahera, John S. - 2015

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011415653

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Banks and Payday Lenders : Friends or Foes?

Barth, James R. - 2014

Book / Working Paper

Payday lending regulation

Kaufman, Alex - 2013

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10010431717

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Payday Lending Regulation

Kaufman, Alex - 2013

Book / Working Paper

Credit Lines as Monitored Liquidity Insurance : Theory and Evidence

Acharya, Viral V. - 2013

We propose and test a theory of corporate liquidity management in which credit lines provided by banks to firms are a form of monitored liquidity insurance. Bank monitoring and resulting credit line revocations help control illiquidity-seeking behavior by firms. Firms with high liquidity risk...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013085123

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Credit Lines as Monitored Liquidity Insurance : Theory and Evidence

Acharya, Viral V. - 2013

Book / Working Paper

Credit Lines as Monitored Liquidity Insurance : Theory and Evidence

Acharya, Viral V. - 2013

Book / Working Paper

Payday Peonage : Thirteenth Amendment Implications In Payday Lending

Lees, Zoe - 2013

During the recent economic downturn, payday lenders' business and profits have soared while traditional banks have tightened up their lending practices and experienced plummeting stock values. Payday lenders thrive in depressed economic climates. They do so by making short term, high interest...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013091557

Analyzing bank overdraft fees with big data

Liu, Xiao; Montgomery, Alan; Srinivasan, Kannan - 2018

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011966220

Credit Lines as Monitored Liquidity Insurance : Theory and Evidence

Ippolito, Filippo - 2012

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013105297

Studie zu Dispozinsen/Ratenkrediten Laufzeit 8/2011 - 5/2012 : Forschungsvorhaben zur Bereitstellung wissenschaftlicher Entscheidungshilfe für das Bundesministerium für Ernährung, Landwirtschaft und Verbraucherschutz (BMELV)

Dick, Christian D.; Knobloch, Michael; Al-Umaray, Kerim … - 2012

In Deutschland verfügen etwa 80 Prozent der Haushalte über einen Dispositionskredit. Bei beträchtlicher Variation liegt der eingeräumte Kreditrahmen bei knapp dem 3-fachen des Nettoeinkommens. Arbeitslose, Alleinerziehende, Paare mit Kindern und Selbständige nutzen den Dispositionskredit...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10009632744

Borrower heterogeneity and the demand for overdrafts

Becker, David Michael - 2017

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011719395

Does promoting cheaper credit spur household refinancing?

Becker, David Michael - 2017

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011719396

Limited and Varying Consumer Attention : Evidence from Shocks to the Salience of Bank Overdraft Fees

Stango, Victor - 2011

We explore dynamics of limited attention in the $35 billion market for checking overdrafts, using survey content as shocks to the salience of overdraft fees. Conditional on selection into surveys, individuals who face overdraft-related questions are less likely to incur a fee in the survey...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013125569

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Limited and Varying Consumer Attention : Evidence from Shocks to the Salience of Bank Overdraft Fees

Stango, Victor - 2011

Book / Working Paper

Limited and Varying Consumer Attention : Evidence from Shocks to the Salience of Bank Overdraft Fees

Stango, Victor - 2011

Book / Working Paper

Limited and varying consumer attention : evidence from shocks to the salience of bank overdraft fees

Stango, Victor; Zinman, Jonathan - 2014

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10010370830

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Limited and varying consumer attention : evidence from shocks to the salience of bank overdraft fees

Stango, Victor; Zinman, Jonathan - 2011

Book / Working Paper

Limited and varying consumer attention : evidence from shocks to the salience of bank overdraft fees

Stango, Victor; Zinman, Jonathan - 2011

Book / Working Paper

The role of state revolving funds in clean water and drinking water infrastructure : overview and sustainability issues

2016

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012004846

Determinants of the locations of payday lenders, pawnshops and check-cashing outlets

Prager, Robin A. - 2009

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10003911891

And banking for all?

Barr, Michael S.; Dokko, Jane K.; Keys, Benjamin J. - 2009

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10003911892

Un modèle de tarification comportementale du marché du crédit renouvelable

Mendez, Rodrigue - 2015

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011460114

Unshrouding effects on demand for a costly add-on : evidence from bank overdrafts in Turkey

Alan, Sule; Cemalcılar, Mehmet; Karlan, Dean; Zinman, … - 2015

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10010496170

Credit exposure and valuation of revolving credit lines

Jones, Robert; Wu, Yan Wendy - 2015

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011399777

Iraq; Third and Fourth Reviews Under the Stand-By Arrangement, Financing Assurances Review, and Requests for Extension of the Arrangement and for Waiver of Nonobservance of a Performance Criterion: Staff Report; Staff Supplement; Press Release on the Executive Board Discussion; and Statement by the Executive Director for Iraq

2007

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011243284

Iraq; 2007 Article IV Consultation, Fifth Review Under the Stand-By Arrangement, Financing Assurances Review, and Requests for Extension of the Arrangement, Waiver of Applicability, and Waivers for Nonobservance of Performance Criteria: Staff Report; Public Information Notice and Press Release on the Executive Board Discussion; and Statement by the Executive Director for Iraq

2007

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011244453

Payday lending : the case of Tennessee

Kasper, Sherryl Davis - 2014

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10010483742

Credit lines as monitored liquidity insurance : theory and evidence

Acharya, Viral V.; Almeida, Heitor; Ippolito, Filippo; … - 2014

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10010421845

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Credit lines as monitored liquidity insurance : theory and evidence

Acharya, Viral V.; Almeida, Heitor; Ippolito, Filippo; … - 2013

Book / Working Paper

Usage and exposure at default of corporate credit lines

Zhao, Janet Yinging; Dwyer, Douglas W.; Zhang, Jing - 2014

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10010373346

Antigua and Barbuda; 2005 Article IV Consultation: Staff Report; Staff Statement; Public Information Notice on the Executive Board Discussion; and Statement by the Authorities of Antigua and Barbuda

2006

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011243093

Attitudinal, self-efficacy, and social norms determinants of young consumers' propensity to overspend on credit cards

Sotiropoulos, Veneta; Astous, Alain d' - 2013

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10009740412

The impact of wealth on financial mistakes : evidence from credit card non-payment

Scholnick, Barry; Massoud, Nadia; Saunders, Anthony - 2013

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10009745207

An empirical study on credit card usage

Jung, Hyemin; Cho, Sung-jin; Chung, Justin - 2013

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10009792061