Over the past decade, there has been a significant increase in the phenomenon known as ”predatory lending.” In a forthcoming paper, we argue that predatory lending emerged when market incentives that historically led lenders to engage in credit rationing gave way to a market where lenders could easily exploit unsophisticated borrowers. Our specific focus is on the home loan market, i.e., closed...

This paper studies P2P lending and the factors explaining loan default. This is an important issue because in P2P lending individual investors bear the credit risk, instead of financial institutions, which are experts in dealing with this risk. P2P lenders suffer a severe problem of information asymmetry, because they are at a disadvantage facing the borrower. For this reason, P2P lending sites...

Over the last two decades, bank lending has been closely correlated with property prices in both industrialised and developing countries. From previous empirical studies it is not clear whether these cycles were driven by property prices or lending. In this study I analyse the direction of causality between bank lending and property prices in 16 industrialised countries over the last two decade...

Authorized to Appraise Date: October 6, 2003 IBRD Amount ($m): Bank Approval: February 27, 2004 IDA Amount ($m): Global Supplemental Amount ($m): 5.50 Managing Unit: AFTES Lending Instrument: Specific Investment Loan (SIL) Status: Lending Sector: General agriculture, fishing and forestry sector Theme: Biodiversity (P); Other environment and natural resources management (P); Environmental polici...

unreliability of financial statements in iran has urged this country’s financial services industry management to manipulate practices by which they could gain reliable risk scores for borrowers. this research extracts the most influential qualitative factors that would impact the default of a business relationship borrower. solicitation of the factors is done through delphi methodology. the mea...

since 1984 iranian banks has been operating under islamic principles. this paper investigates dynamics of loans and the difficulties that iranian banking system was facing. during the period of islamic banking in iran, banks experienced a significant increase in the supply of loans. many factors have affected the behavior of banks in lending operations, the most important of which include rate ...

The networks of interfirm relations that developed in business groups during China’s economic transition have been an important part of the country’s economic transition. This article examines the process by which interfirm lending and trade ties emerged and evolved in the business groups in the early stages of reform. It studies the effect of business group structure on firm financial performa...

Since 1984 Iranian banks has been operating under Islamic principles. This paper investigates dynamics of loans and the difficulties that Iranian banking system was facing. During the period of Islamic banking in Iran, banks experienced a significant increase in the supply of loans. Many factors have affected the behavior of banks in lending operations, the most important of which include rate ...

This research aims to investigate ebook lending in UK public libraries. A mixed method approach will be utilised to gain an understanding of how ebook lending is currently being achieved and to determine its affect on traditional library services. Initial results from the first phase of the study are presented and