Commercial Bank Credit Availability to Small and Medium Scale Enterprises (SMEs) in Nigeria

2015 ◽  
Keyword(s):  
Commercial Bank ◽  
Bank Credit ◽  
Credit Availability ◽  
Medium Scale

scholarly journals ANALISIS LIQUIDITY CREATION PADA PERBANKAN DI INDONESIA TAHUN 2007-2013 (STUDI KASUS PADA 10 BANK BESAR DI INDONESIA TAHUN 2013)

2016 ◽  
Vol 12 (1) ◽  
pp. 76
Author(s):  
Muhammad Mirajudin ◽  
Prasetiono Prasetiono
Keyword(s):  
Credit Risk ◽  
Commercial Bank ◽  
Banking Industry ◽  
Third Party ◽  
Bank Credit ◽  
Bank Capital ◽  
Banking Supervision ◽  
Earnings Volatility ◽  
Negative Effect ◽  
Income Instability

Problems related to banking in Indonesia today is the problem of liquidity. It is shownfrom a commercial bank credit grew 23.03% but not matched by growth in depositswhich only reached 16.56% in 2012 (Report of Banking Supervision, 2012). Therefore,this study aims to determine the liquidity creation in Indonesia as well as to analyze theinfluence of bank capital, credit risk and income instability towards liquidity creation.The samples includes 10 major banks in Indonesia with total assets of more thanRp120billion in 2013. The reason for choosing this sample because of the 10 largestbanks reflects the state of the banks in Indonesia which accounted for 65.2% of totalassets, 65.6% of total loans, and 66% of total deposits or deposits in the banking industry(PEFINDO, 2014). The results of this research note that the bank's capital and earningsvolatility is significant negative effect on liquidity creation. While the credit risk of anegative but insignificant effect on liquidity creation. In the determination coefficient testshowed that 43.6% dependent variable is the liquidity creation can be explained by theindependent variable is the capital of banks, credit risk and earnings volatility. While56.4% is explained by other variables outside the model of this study.Keywords: liquidity creation, capital of banks, credit risk, third-party funds, banks inIndonesia.

scholarly journals Measurement and Analysis of the Competitiveness of China Commercial Bank’s Loan Market

2020 ◽  
Vol 2020 ◽  
pp. 1-10
Author(s):  
Tianming Cai
Keyword(s):  
Commercial Bank ◽  
Credit Market ◽  
Bank Credit ◽  
Financial Risks ◽  
Upward Trend ◽  
Slowing Down ◽  
Lerner Index ◽  
Measurement And Analysis ◽  
Economic Work ◽  
China’S Economy

China’s economy presents a new normal of speed changes, structural optimization, and power conversion. Deepening supply-side reforms and controlling financial risks are two prominent themes of current economic work. With the economic growth slowing down and the financing environment tightening, the credit risk of the banking industry is being exposed more quickly. This article uses a structured method and an unstructured method to measure the competitiveness of China commercial bank credit market. The structured method uses the HHI (Herfindahl–Hirschman Index), and the unstructured method uses the Lerner Index. This article compares the sample banks’ 2008–2015 industry loan total HHI and Lerner Index. The results of HHI and Lerner Index are basically the same, which indicate that the competitiveness of the China commercial bank credit market is generally at a low level. However, the Lerner Index has a clear upward trend after 2014, which indicates the possibility of increased competition in the credit market.

scholarly journals The role of credit in regional divergence: Spanish regions and Eurozone countries

2020 ◽  
Vol 40 (4) ◽  
pp. 712-727
Author(s):  
SHEILA C. DOW ◽  
CARLOS J. RODRÍGUEZ-FUENTES
Keyword(s):  
Regional Differences ◽  
Bank Credit ◽  
Regional Convergence ◽  
Credit Availability ◽  
Spanish Regions ◽  
Economic Divergence ◽  
The Business Cycle ◽  
Regional Capital ◽  
Peripheral Regions

ABSTRACT This paper provides a theoretical account of the role of regional differences in cyclical patterns of credit availability for patterns of regional convergence or divergence. While mainstream theories imply either equalising regional capital flows, or else lower credit availability for peripheral regions due to market imperfections, Post-Keynesian theory of liquidity preference and financial structure imply the scope for greater credit volatility for peripheral regions, especially in downturns, contributing to real economic divergence. This latter account is assessed by means of an empirical analysis of patterns in bank credit over the business cycle among the Spanish regions and Eurozone countries.

Social Class and Commercial Bank Credit Card Usage

1969 ◽  
Vol 33 (1) ◽  
pp. 71-78 ◽  
Author(s):  
H. Lee Mathews ◽  
John W. Slocum
Keyword(s):  
Social Class ◽  
Commercial Bank ◽  
Market Segmentation ◽  
Credit Card ◽  
Bank Credit ◽  
Behavior Patterns ◽  
Purchasing Behavior ◽  
Use Patterns ◽  
Credit Card Usage

Relationships between an individual's social class and his purchasing behavior in using a commercial bank credit card are described in this article. Important card-use patterns with market segmentation implications were found. Membership in a social class influences patterns of credit card usage. Convenience and installment use of cards tend to vary by social class in a manner consistent with previous studies of social class behavior patterns.

A Rejoinder to “Social Class or Income?”

1972 ◽  
Vol 36 (1) ◽  
pp. 69-70
Author(s):  
H. Lee Mathews ◽  
John W. Slocum
Keyword(s):  
Social Class ◽  
Commercial Bank ◽  
Credit Card ◽  
Consumer Credit ◽  
Bank Credit ◽  
Credit Card Usage

The authors offer a rejoinder to Professor Curtis's comment on their articles, “Social Class and Commercial Bank Credit Card Usage,” and “Social Class and Income as Indicators of Consumer Credit Behavior.”

Social Class and Commercial Bank Credit Card Usage

1969 ◽  
Vol 33 (1) ◽  
pp. 71 ◽  
Author(s):  
H. Lee Mathews ◽  
John W. Slocum
Keyword(s):  
Social Class ◽  
Commercial Bank ◽  
Credit Card ◽  
Bank Credit ◽  
Credit Card Usage

Manufacturing growth in India in recent years

2016 ◽  
Vol 9 (2) ◽  
pp. 102-113 ◽  
Author(s):  
Bishwanath Goldar
Keyword(s):  
Commercial Bank ◽  
Manufacturing Sector ◽  
Value Added ◽  
Output Growth ◽  
Bank Credit ◽  
National Accounts ◽  
Content Type ◽  
System Of National Accounts ◽  
Gross Value Added ◽  
Manufacturing Growth

Purpose Since the announcement of the new series of national accounts for India (with base 2011-12) in January 2015, there has been endless controversy over the new gross domestic product (GDP) growth numbers, particularly in respect of growth of Indian manufacturing. The purpose of this paper is to highlight certain policy issues concerning India’s system of national accounts, in the context of the methodological changes made in the new national accounts series, and to check the validity of the view held by some critics that the new series has significantly overstated the growth rate in real gross value added in manufacturing in recent years. Design/methodology/approach The paper presents a brief, selective review of the literature that has emerged on the new series of national accounts. A close look is taken at the available data on real gross value added growth in Indian manufacturing in conjunction with data on growth in India’s exports and in outstanding non-food commercial bank credit. Analysis of these data is undertaken with the help of a table and some graphs. Findings The paper finds that there is not enough basis to believe and argue that the GDP estimates in the new series of national accounts significantly overstate the true manufacturing sector growth in India. Originality/value Rates of manufacturing output growth in recent years indicated by the new series of national accounts for India are subjected to careful scrutiny by contrasting yearly growth rates in manufacturing output with those in India’s non-oil exports and in outstanding non-food commercial bank credit.

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