Using a dataset from the State Bank of Pakistan containing each and every commercial loan generated in economy 2006 to 2013, we find that, on average, longer relationship length is associated with lower risk premiums but higher collateral requirements. However, further examination paints far more complex picture. The impact varies substantially type lender, as well borrower. We argue that confl...

This research adds to the literature on relationship lending in the small business context by discussing the roles of entrepreneurial competence and voluntarily disclosed information as determinants of credit access. More specifically, we propose that the loan manager’s evaluation of the information voluntarily disclosed by the entrepreneur is an important complement to publicly available finan...

This theoretical paper extends the pioneering articles on relationship lending (e.g., Sharpe. J Finance XLV(4): 1069-1087, 1990; Rajan. Financ 47: 1367–1400, 1992; von Thadden. Res Lett 1(1): 11–23, 2004) by examining and hold-up problems in credit markets when borrowers are identical banks different. The results show that existing informationally captured good yield profits to them, but new un...

This paper delves into the complex history of e-lending, specifically between Big Five publishers and public libraries. It is commonly thought that relationship libraries contentious, with being obvious aggressors who see as their enemy. The reality not so clear cut. aims to comprehensively document analyze publisher-library in decade before COVID-19—specifically focusing on individual relation...

* This is a substantially revised version of the first draft which circulated under the same title. The data set was generated as a part of the Center for Financial Studies' research project on credit management in Ger-many. Tilburg. Of course, we alone are responsible for all remaining errors. Abstract This paper provides new insights into the nature of relationship lending by analyzing the ro...