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Journal Article
A little credit goes a long way: The global microfinance movement
anonymous (2003-04)
EconSouth , Volume 5 , Issue Q2 , Pages 18-23

Journal Article
Fed survey shows tightening bank lending standards
anonymous (2008)
Lending standards and terms for a range of loan types tightened during the fourth quarter of 2007 at both domestic and foreign banks, according to a recent Fed survey of banks' loan officers.
Financial Update , Volume 21 , Issue 1

Working Paper
Socially excessive bankruptcy costs and the benefits of interest rate ceilings on loans
Espinosa-Vega, Marco A.; Smith, Bruce (2001)
The authors study the capital accumulation and welfare implications of ceilings on loan interest rates in a dynamic general equilibrium model. Binding ceilings on loan rates reduce the probability of bankruptcy. Lower bankruptcy rates result in lower bankruptcy and liquidation costs. The authors state conditions under which the resources freed by this cost-saving result increase the steady state capital stock, reduce steady state credit rationing, and raise the steady state welfare of all agents. The authors also argue that the conditions stated are likely to be satisfied in practice. ...
FRB Atlanta Working Paper , Paper 2001-27

Journal Article
Predatory lending: attempts to plug the money drain
O'Sullivan, Stephen (2003-04)
Abusive lending practices have made headlines around the nation, and the issue remains hotly debated. Stephen O'Sullivan gives an overview and an update on the issue. He focuses on how various regulators and legislators are trying to curb abuses without limiting access to the subprime market.
Communities and Banking , Issue Spr , Pages 3-6

Journal Article
Capital markets for community development lenders: questions & answers
Swack, Michael (2004-04)
Southern New Hampshire University professor Michael Swack answers basic questions about capital markets and explains how community development lenders can raise their capacity by tapping into these markets.
Communities and Banking , Issue Spr , Pages 10-14

Journal Article
Financing women-owned businesses
Carter, Becky (1997-10)
From micro-loans to equity financing, women have less capital available to them than do their male counterparts.
Communities and Banking , Issue Fall , Pages 4-5

Journal Article
The wisdom of crowdfunding
Zhang, Juanjuan (2013-01)
Microloans, also known as microfinancing, peer-to-peer lending, and crowdfunding, started out as a means for individuals, such as impoverished borrowers who lack collateral and underprivileged women in third world countries, to provide for themselves. The way microloan markets operate is quite straightforward. There are no banks. Interested individuals come together on a microloan platform and directly borrow and lend with each other.
Communities and Banking , Issue Winter , Pages 30-31

Conference Paper
Loan loss provisioning and economic slowdowns: too much too late?
Majnoni, Giovanni; Laeven, Luc (2002)
Only recently the debate on bank capital regulation has devoted specific attention to the role that bank loan loss provisions can play as a part of the overall minimum capital regulatory framework. Several national regulators have adopted or are planning to introduce a cyclically adjustable requirement for loan loss provisions and the Basel Committee on Banking Supervision is considering how to address provisioning practices within a broad bank capital regulatory framework. This paper contributes to the ongoing debate by exploring the available evidence about bank loan loss provisioning ...
Conference Series ; [Proceedings]

Journal Article
Hope on credit: microlending comes to the U.S.
Wasserman, Miriam (1998-10-04)
Regional Review , Volume 8 , Issue Q 4 , Pages 18-24

Working Paper
Moral hazard, peer monitoring, and microcredit: field experimental evidence from Paraguay
Carpenter, Jeffrey; Williams, Tyler (2010)
Given the substantial amount of resources currently invested in microcredit programs, it is more important than ever to accurately assess the extent to which peer monitoring by borrowers faced with group liability contracts actually reduces moral hazard. We conduct a field experiment with women about to enter a group loan program in Paraguay and then gather administrative data on the members' repayment behavior in the six-month period following the experiment. In addition to the experiment which is designed to measure individual propensities to monitor under incentives similar to group ...
Working Papers , Paper 10-6

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