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Borrowing Constraints, Household Debt, and Racial Discrimination in Loan Markets

Citations

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Cited by:

  1. Steven J. Davis & Felix Kubler & Paul Willen, 2006. "Borrowing Costs and the Demand for Equity over the Life Cycle," The Review of Economics and Statistics, MIT Press, vol. 88(2), pages 348-362, May.
  2. Gabriel, Stuart A. & Rosenthal, Stuart S., 2005. "Homeownership in the 1980s and 1990s: aggregate trends and racial gaps," Journal of Urban Economics, Elsevier, vol. 57(1), pages 101-127, January.
  3. Song Han, 2001. "On the Economics of Discrimination in Credit Markets," Finance and Economics Discussion Series 2002-02, Board of Governors of the Federal Reserve System (U.S.).
  4. repec:eee:jbfina:v:81:y:2017:i:c:p:65-80 is not listed on IDEAS
  5. Eddie Lam, 2002. "A Risk Management Model for MBS Issuers," International Real Estate Review, Asian Real Estate Society, vol. 5(1), pages 169-195.
  6. Ferri, Giovanni & Murro, Pierluigi, 2015. "Do firm–bank ‘odd couples’ exacerbate credit rationing?," Journal of Financial Intermediation, Elsevier, vol. 24(2), pages 231-251.
  7. John Rand, 2007. "‘Credit Constraints and Determinants of the Cost of Capital in Vietnamese Manufacturing’," Small Business Economics, Springer, vol. 29(1), pages 1-13, June.
  8. Solomon Y. Deku & Alper Kara & Phil Molyneux, 2014. "Access to Consumer Credit in the UK," Working Papers 14004, Bangor Business School, Prifysgol Bangor University (Cymru / Wales).
  9. Eugenio Gaiotti, 2011. "Credit availability and investment in Italy: lessons from the "Great Recession"," Temi di discussione (Economic working papers) 793, Bank of Italy, Economic Research and International Relations Area.
  10. Jonathan Crook & Stefan Hochguertel, 2007. "US and European Household Debt and Credit Constraints," Tinbergen Institute Discussion Papers 07-087/3, Tinbergen Institute.
  11. Charles Yuji Horioka & Shizuka Sekita, 2009. "Are Fast Court Proceedings Good or Bad?: Evidence from Japanese Household Panel Data," Post-Print halshs-00407674, HAL.
  12. Popov, Alexander, 2014. "Credit constraints and investment in human capital: Training evidence from transition economies," Journal of Financial Intermediation, Elsevier, vol. 23(1), pages 76-100.
  13. Edelberg, Wendy, 2006. "Risk-based pricing of interest rates for consumer loans," Journal of Monetary Economics, Elsevier, vol. 53(8), pages 2283-2298, November.
  14. repec:bla:jconsa:v:51:y:2017:i:2:p:380-405 is not listed on IDEAS
  15. Rui Yao & Deanna Sharpe & Elizabeth Gorham, 2011. "An Exploratory Study of Chinese Americans’ Debt Ownership," Journal of Family and Economic Issues, Springer, vol. 32(4), pages 600-611, December.
  16. Mukasa Adamon N. & Anthony M. Simpasa & Adeleke Oluwole Salami, 2017. "Working Paper 247 - Credit constraints and farm productivity: Micro-level evidence from smallholder farmers in Ethiopia," Working Paper Series 2356, African Development Bank.
  17. Robert B. Avery & Patricia E. Beeson & Mark S. Sniderman, 1993. "Accounting for racial differences in housing credit markets," Working Paper 9310, Federal Reserve Bank of Cleveland.
  18. Gathergood John, 2011. "Racial Disparities in Credit Constraints in the Great Recession: Evidence from the UK," The B.E. Journal of Economic Analysis & Policy, De Gruyter, vol. 11(1), pages 1-32, September.
  19. Ghent, Andra C. & Hernández-Murillo, Rubén & Owyang, Michael T., 2014. "Differences in subprime loan pricing across races and neighborhoods," Regional Science and Urban Economics, Elsevier, vol. 48(C), pages 199-215.
  20. Jones, Lawrence D., 1995. "Net wealth, marginal tax rates and the demand for home mortgage debt," Regional Science and Urban Economics, Elsevier, vol. 25(3), pages 297-322, June.
  21. Herrala, Risto & Kauko, Karlo, 2007. "Household loan loss risk in Finland : estimations and simulations with micro data," Research Discussion Papers 5/2007, Bank of Finland.
  22. Sial, Maqbool Hussain & Awan, Masood Sarwar & Waqas, Muhammad, 2011. "Role of Institutional Credit on Agricultural Production: A Time Series Analysis of Pakistan," MPRA Paper 31815, University Library of Munich, Germany.
  23. Wei He & H. Kent Baker, 2007. "Small Business Financing: Survey Evidence in West Texas," Journal of Entrepreneurial Finance, Pepperdine University, Graziadio School of Business and Management, vol. 12(1), pages 27-54, Spring.
  24. Charles Yuji Horioka & Shizuka Sekita, 2011. "The Degree of Judicial Enforcement and Credit Markets: Evidence from Japanese Household Panel Data," International Review of Finance, International Review of Finance Ltd., vol. 11(2), pages 245-268, June.
  25. Angelini, P. & Di Salvo, R. & Ferri, G., 1998. "Availability and cost of credit for small businesses: Customer relationships and credit cooperatives," Journal of Banking & Finance, Elsevier, vol. 22(6-8), pages 925-954, August.
  26. Gianni La Cava & John Simon, 2003. "A Tale of Two Surveys: Household Debt and Financial Constraints in Australia," RBA Research Discussion Papers rdp2003-08, Reserve Bank of Australia.
  27. Ongena, Steven & Popov, Alexander & Udell, Gregory F., 2013. "“When the cat's away the mice will play”: Does regulation at home affect bank risk-taking abroad?," Journal of Financial Economics, Elsevier, vol. 108(3), pages 727-750.
  28. Steven Ongena & Alexander Popov, 2016. "Gender Bias and Credit Access," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 48(8), pages 1691-1724, December.
  29. repec:kap:jfsres:v:52:y:2017:i:3:d:10.1007_s10693-016-0246-1 is not listed on IDEAS
  30. Lawson-Remer, Terra, 2011. "Security of Property Rights for Whom?," WIDER Working Paper Series 083, World Institute for Development Economic Research (UNU-WIDER).
  31. Wendy Edelberg, 2004. "Risk-based Pricing of Interest Rates in Household Loan Markets," 2004 Meeting Papers 442, Society for Economic Dynamics.
  32. Cristina OTTAVIANI & Daniela VANDONE, 2010. "Impulsivity and household indebtedness," Departmental Working Papers 2010-28, Department of Economics, Management and Quantitative Methods at Università degli Studi di Milano.
  33. Onder, Zeynep, 1998. "Individual and Neighborhood Effects on FHA Mortgage Activity: Evidence from HMDA Data," Journal of Housing Economics, Elsevier, vol. 7(4), pages 343-376, December.
  34. Paolo Angelini & Andrea Generale, 2005. "Firm Size Distribution: Do Financial Constraints Explain It All? Evidence From Survey Data," Temi di discussione (Economic working papers) 549, Bank of Italy, Economic Research and International Relations Area.
  35. Ken Cavalluzzo & Linda Cavalluzzo & John D. Wolken, 1999. "Competition, small business financing, and discrimination: evidence from a new survey," Finance and Economics Discussion Series 1999-25, Board of Governors of the Federal Reserve System (U.S.).
  36. Gabriel, Stuart A. & Rosenthal, Stuart S., 2013. "Urbanization, agglomeration economies, and access to mortgage credit," Regional Science and Urban Economics, Elsevier, vol. 43(1), pages 42-50.
  37. Ferrando, Annalisa & Popov, Alexander & Udell, Gregory F., 2015. "Sovereign stress, unconventional monetary policy, and SME access to finance," Working Paper Series 1820, European Central Bank.
  38. repec:eee:jfinec:v:127:y:2018:i:1:p:174-196 is not listed on IDEAS
  39. Robert B. Avery & Patricia E. Beeson & Mark S. Sniderman, 1996. "Neighborhood information and home mortgage lending," Working Paper 9620, Federal Reserve Bank of Cleveland.
  40. Ethan Cohen-Cole, 2008. "Credit card redlining," Risk and Policy Analysis Unit Working Paper QAU08-1, Federal Reserve Bank of Boston.
  41. Goodman, Allen C., 2003. "Following a panel of stayers: Length of stay, tenure choice, and housing demand," Journal of Housing Economics, Elsevier, vol. 12(2), pages 106-133, June.
  42. Nicolas Eber, 2000. "Sélection de clientèle et exclusion bancaire," Revue d'Économie Financière, Programme National Persée, vol. 58(3), pages 79-96.
  43. Beck, Thorsten & de Haas, Ralph & Degryse, Hans & Van Horen, Neeltje, 2014. "When Arm’s Length Is Too Far. Relationship Banking over the Business Cycle," CEPR Discussion Papers 10050, C.E.P.R. Discussion Papers.
  44. Alexander Popov, 2016. "Monetary Policy, Bank Capital, and Credit Supply: A Role for Discouraged and Informally Rejected Firms," International Journal of Central Banking, International Journal of Central Banking, vol. 12(1), pages 95-141, March.
  45. Duca, John V. & Kumar, Anil, 2014. "Financial literacy and mortgage equity withdrawals," Journal of Urban Economics, Elsevier, vol. 80(C), pages 62-75.
  46. Merike Kukk, 2014. "Distinguishing the components of household financial wealth: the impact of liabilities on assets in Euro Area countries," Bank of Estonia Working Papers wp2014-2, Bank of Estonia, revised 10 Oct 2014.
  47. Martin F. Lueken & Michael Podgursky, 2016. "Determinants of Cashing Out: A Behavioral Analysis of Refund Claimants and Annuitants in the Illinois Teachers Retirement System," Working Papers 1605, Department of Economics, University of Missouri.
  48. Cole, Rebel, 1999. "Availability of credit to small and minority-owned businesses: Evidence from the 1993 National Survey of Small Business Finances," MPRA Paper 4715, University Library of Munich, Germany.
  49. Akram, Waqar & Hussain, Zakir, 2008. "Agricultural credit constraints and borrowing behavior of farmers in rural Punjab," MPRA Paper 31531, University Library of Munich, Germany.
  50. Barbara CAVALLETTI & Corrado LAGAZIO & Daniela VANDONE & Elena LAGOMARSINO, 2014. "Consumer debt and financial fragility in Italy," Departmental Working Papers 2014-08, Department of Economics, Management and Quantitative Methods at Università degli Studi di Milano.
  51. Andrew Benito & Haroon Mumtaz, 2006. "Consumption excess sensitivity, liquidity constraints and the collateral role of housing," Bank of England working papers 306, Bank of England.
  52. repec:kap:jrefec:v:56:y:2018:i:1:d:10.1007_s11146-016-9595-7 is not listed on IDEAS
  53. Qianqian Cao, 2014. "Bankruptcy Exemption, Home Equity and Mortgage Credit," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 42(4), pages 938-976, December.
  54. Beck, Thorsten & Degryse, Hans & De Haas, Ralph & van Horen, Neeltje, 2018. "When arm's length is too far: Relationship banking over the credit cycle," Journal of Financial Economics, Elsevier, vol. 127(1), pages 174-196.
  55. Jaanika Merikull, 2012. "Households borrowing during a creditless recovery," Bank of Estonia Working Papers wp2012-2, Bank of Estonia, revised 22 Feb 2012.
  56. Jeffrey M. Lacker, 1995. "Neighborhoods and banking," Economic Quarterly, Federal Reserve Bank of Richmond, issue Spr, pages 13-38.
  57. repec:ebd:wpaper:169 is not listed on IDEAS
  58. Rodríguez-Planas, Núria, 2018. "Mortgage Finance and Culture," IZA Discussion Papers 11316, Institute for the Study of Labor (IZA).
  59. Saeyeon Oh & Jungsoo Park, 2015. "Does Bank Branch Competition Alleviate Household Credit Constraints?Evidence from Korean Household Data," Working Papers 1501, Research Institute for Market Economy, Sogang University.
  60. Ottaviani, Cristina & Vandone, Daniela, 2011. "Impulsivity and household indebtedness: Evidence from real life," Journal of Economic Psychology, Elsevier, vol. 32(5), pages 754-761.
  61. Wendy Edelberg, 2007. "Racial dispersion in consumer credit interest rates," Finance and Economics Discussion Series 2007-28, Board of Governors of the Federal Reserve System (U.S.).
  62. Ongena, S. & Popov, A. & Udell, G.F., 2011. "Bank Risk-Taking Abroad : Does Home-Country Regulation and Supervision Matter," Discussion Paper 2011-032, Tilburg University, Center for Economic Research.
  63. Faria, João Ricardo & Wang, Le & Wu, Zhongmin, 2012. "Debts on debts," The North American Journal of Economics and Finance, Elsevier, vol. 23(2), pages 203-219.
    • Joao Ricardo Faria & Le Wang & Zhongmin Wu, 2009. "Debts on debts," Working Papers 2009/7, Nottingham Trent University, Nottingham Business School, Economics Division.
  64. Avery, Robert B. & Beeson, Patricia E. & Sniderman, Mark S., 1999. "Neighborhood Information and Home Mortgage Lending," Journal of Urban Economics, Elsevier, vol. 45(2), pages 287-310, March.
  65. Luisa ANDERLONI & Daniela VANDONE, 2011. "Vulnerabilità e benessere delle famiglie italiane," Departmental Working Papers 2011-40, Department of Economics, Management and Quantitative Methods at Università degli Studi di Milano.
  66. Daniele Coin, 2013. "Are female entrepreneurs better payers than men?," Questioni di Economia e Finanza (Occasional Papers) 186, Bank of Italy, Economic Research and International Relations Area.
  67. Gicheva, Dora & Thompson, Jeffrey, 2014. "The Effects of Student Loans on Long-Term Household Financial Stability," UNCG Economics Working Papers 14-2, University of North Carolina at Greensboro, Department of Economics.
  68. Crook, Jonathan, 1999. "Who is discouraged from applying for credit?," Economics Letters, Elsevier, vol. 65(2), pages 165-172, November.
  69. repec:eee:joinma:v:27:y:2013:i:2:p:83-97 is not listed on IDEAS
  70. Gaiotti, Eugenio, 2013. "Credit availability and investment: Lessons from the “great recession”," European Economic Review, Elsevier, vol. 59(C), pages 212-227.
  71. Popov, Alexander & Udell, Gregory F., 2012. "Cross-border banking, credit access, and the financial crisis," Journal of International Economics, Elsevier, vol. 87(1), pages 147-161.
  72. Ana del Río & Garry Young, 2005. "The determinants of unsecured borrowing: evidence from the British household panel survey," Working Papers 0511, Banco de España;Working Papers Homepage.
  73. Cole, Rebel A., 1998. "The importance of relationships to the availability of credit," Journal of Banking & Finance, Elsevier, vol. 22(6-8), pages 959-977, August.
  74. Duca, John V., 1998. "Comment on Cole," Journal of Banking & Finance, Elsevier, vol. 22(6-8), pages 978-981, August.
  75. Silvia Magri, 2018. "Are lenders using risk-based pricing in the consumer loan market? The effects of the 2008 crisis," Temi di discussione (Economic working papers) 1164, Bank of Italy, Economic Research and International Relations Area.
  76. Ke Chen Chen & Mali Chivakul, 2008. "What Drives Household Borrowing and Credit Constraints? Evidence from Bosnia and Herzegovina," IMF Working Papers 08/202, International Monetary Fund.
  77. Christa Hainz & Tatjana Nabokin, 2013. "Measurement and Determinants of Access to Loans," CESifo Working Paper Series 4190, CESifo Group Munich.
  78. Schreiner, Mark & Graham, Douglas H. & Cortes-Fontcuberta, Manuel & Coetzee, Gerhard K. & Vink, Nick, 1997. "Racial Discrimination In Hire/Purchase Lending In Apartheid South Africa," 1997 Annual meeting, July 27-30, Toronto, Canada 21026, American Agricultural Economics Association (New Name 2008: Agricultural and Applied Economics Association).
  79. Robert B. Avery & Patricia E. Beeson & Mark S. Sniderman, 1992. "Cross-lender variation in home mortgage lending," Working Paper 9219, Federal Reserve Bank of Cleveland.
  80. Evan F. Koenig, 1994. "Capacity utilization and the evolution of manufacturing output: a closer look at the "bounce-back effect."," Working Papers 9402, Federal Reserve Bank of Dallas.
  81. Kenneth Carow & Michael Staten, 2002. "Plastic choices: Consumer usage of bank cards versus proprietary credit cards," Journal of Economics and Finance, Springer;Academy of Economics and Finance, vol. 26(2), pages 216-232, June.
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