The Effect of Electoral Competition on Government-Subsidized Small Business Loans: Evidence from Congressional Gerrymandering

2019 ◽  
Author(s):  
Sahil Raina ◽  
Sheng-Jun Xu
Keyword(s):  
Small Business ◽  
Electoral Competition ◽  
Small Business Loans

scholarly journals Effects of Regional Bank Merger on Small Business Borrowing: Evidence from Japan

2015 ◽  
Vol 7 (11) ◽  
pp. 62
Author(s):  
Hironobu Miyazaki ◽  
Hiroyuki Aman
Keyword(s):  
Small Business ◽  
Small Businesses ◽  
Economies Of Scale ◽  
Loan Portfolio ◽  
Small Business Lending ◽  
Borrowing Costs ◽  
Bank Merger ◽  
Regional Bank ◽  
Small Business Loans ◽  
The Impact

This study examines the impact of a regional bank merger in Japan on borrowing by small businesses, focusing on firms that borrow from the acquiring bank, the acquired bank, or both. First, we find that post-merger borrowing costs declined. This result suggests that small borrowers enjoy more favorable post-merger financing conditions because efficiencies from economies of scale lead to lower costs. Second, we<strong> </strong>find that post-merger borrowing costs decline for firms that borrow only from the acquiring or acquired bank, whereas they did not decline for firms that borrow from both. Third, we find that only small business loans to firms that borrow from both the acquiring and acquired banks decrease post-merger. This result suggests that small business lending might decline because of a merged bank’s loan portfolio and lending strategy.

Borrower-Lender Distance, Credit Scoring, and the Performance of Small Business Loans

2006 ◽  
Author(s):  
Robert DeYoung ◽  
Dennis Glennon ◽  
Peter J. Nigro
Keyword(s):  
Small Business ◽  
Credit Scoring ◽  
Small Business Loans

scholarly journals The Impact of Peer-to-Peer Lending on Small Business Loans

2020 ◽  
Author(s):  
Jin-Hyuk Kim ◽  
Frank Stähler
Keyword(s):  
Small Business ◽  
Peer To Peer ◽  
Peer Lending ◽  
Small Business Loans ◽  
The Impact

Measuring the Default Risk of Small Business Loans: Improved Credit Risk Prediction using Deep Learning

2020 ◽  
Author(s):  
Yiannis Dendramis ◽  
Elias Tzavalis ◽  
Aikaterini Cheimarioti
Keyword(s):  
Deep Learning ◽  
Small Business ◽  
Credit Risk ◽  
Risk Prediction ◽  
Default Risk ◽  
Small Business Loans

An Analysis of Commercial Bank Lending Criteria for Small Business Loans: An Experimental Study

1992 ◽  
Vol 1 (2) ◽  
pp. 33-52
Author(s):  
Darren J. Brown ◽  
Lois A. Munro
Keyword(s):  
Experimental Study ◽  
Small Business ◽  
Commercial Bank ◽  
Bank Lending ◽  
Small Business Loans

A DECISION MODEL FOR SMALL BUSINESS LOANS

1983 ◽  
Vol 1 (2) ◽  
pp. 18-27
Author(s):  
Dale Doreen ◽  
Farzad Farhoomand
Keyword(s):  
Small Business ◽  
Decision Model ◽  
Small Business Loans

scholarly journals REGULATORY AND INSTITUTIONAL RESTRICTIONS ON SMALL BUSINESS LOANS IN SERBIA

2021 ◽  
Author(s):  
Marija Đekić ◽  
Tamara Vesić
Keyword(s):  
Small Business ◽  
Small Business Loans

Are capital requirements on small business loans flawed?

2019 ◽  
Vol 52 ◽  
pp. 255-274 ◽  
Author(s):  
Dennis Bams ◽  
Magdalena Pisa ◽  
Christian C.P. Wolff
Keyword(s):  
Small Business ◽  
Capital Requirements ◽  
Small Business Loans

Effect of Corporate Social Responsibility on Pricing of Small Business Loans

2021 ◽  
pp. 1226-1249
Author(s):  
Markku Vieru ◽  
Janne Peltoniemi
Keyword(s):  
Corporate Social Responsibility ◽  
Small Business ◽  
Social Responsibility ◽  
Small Firms ◽  
Management Practices ◽  
Bank Lending ◽  
Loan Pricing ◽  
Small Business Finance ◽  
Small Business Loans ◽  
Corporate Social

This study analyzes corporate social responsibility (CSR) issues in small business finance in Finland, especially within relationship banking. The study combines credit-file data obtained from a large local Finnish bank with a CSR questionnaire conducted with the bank's business loan managers. The credit-file data contain specific details of CSR characteristics, as well as relationship-, collateral-, firm-, and loan-specific characteristics. CSR, typically considered as a non-financial item, contains value-relevant financial information which affects the loan pricing level. The results show that both overinvestment in CSR and the value created by CSR are valid but connected to different CSR characteristics. Overinvestment is associated with the environment and value creation with diversity and employees. The results contribute to the understanding of the characteristics of CSR in the context of small business bank lending, as well as more generally to important implications for small firms, banks, and management practices.

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