Our paper addresses firm size as a driver of systematic credit risk in loans to small and medium enterprises (SMEs). Key contributions are the use of a unique data set of SME lending by over 400 German banks and relating systematic risk to the size dependence of regulatory capital requirements. What sets our sample apart is its comprehensive coverage of the particularly rich and well developed ...

Recent reforms in the Turkish electricity sector since 2001 aim to introduce a tariff system that reflects costs. This is expected to affect the production and consumer prices of electricity. The changes in electricity prices are then reflected in production costs in other segments of the economy. Subsequently, producer and consumer prices will be affected. The potential impact of the changes i...

background: dental students constitute a stakeholder group that is able to provide unique information concerning the effectiveness of the dental curriculum. the purpose of this study was to determine students’ perceptions of the learning environment, intellectual climate and teacher student relationships in dental school.     methods: this study was conducted among 341 dental students of two de...