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William?K.?Derban Jane?M.?BinnerEmail author Andy?Mullineux 《Small Business Economics》2005,25(4):319-332
This paper identifies the key institutional factors that influence loan loss rates in Community Development Finance Institutions
in the UK. Traditional bank credit assessment puts the blame of poor loan performance largely on the borrower. This is the
first study of its kind to examine institutional characteristics of 16 CDFIs in the UK and assess their influence on the loan
loss rates. The results show that 8 out of the 13 institutional characteristics examined significantly influence loan repayment
performance. Although a vast body of literature supports the view that borrower characteristics are highly influential, our
results provide strong evidence to show that institutional characteristics are equally important and both factors need to
be taken into account if loan repayment performance is to be improved. 相似文献
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Monaghan JC 《Medical economics》1975,52(16):109-110+
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Jane Friesen Mohsen Javdani Justin Smith Simon Woodcock 《The Canadian journal of economics》2012,45(2):784-807
Abstract. We estimate the effect of information about school achievement that is disseminated to the public through websites and school ‘report cards’ on school choice decisions. We find that students are more likely to leave their school when public information reveals poor school‐level performance. Some parents’ school choice decisions respond to information soon after it becomes available. Others, including non‐English‐speaking parents, alter their school choice decisions only in response to information that has been disseminated widely and discussed in the media. Parents in low‐income neighbourhoods are most likely to alter their school choice decisions in response to new information. JEL classification: I21, D83 相似文献
140.
There are two important rules to patent races: minimal accomplishment necessary to receive the patent and the allocation of the innovation benefits. We study the optimal combination of these rules. A planner, who cannot distinguish between competing firms in a multistage innovation race, chooses the patent rules by maximizing either consumer or social surplus. We show that efficiency cost of prizes is a key consideration. Races are undesirable only when efficiency costs are low, firms are similar, and social surplus is maximized. Otherwise, the optimal policy involves a race of nontrivial duration to spur innovation and filter out inferior innovators. 相似文献