On The Economics Of Discrimination In Credit Markets

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The Economics of Discrimination

Author : Gary S. Becker
Publisher : University of Chicago Press
ISBN 13 : 0226041042
Total Pages : 178 pages
Book Rating : 4.2/5 (26 download)

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Book Synopsis The Economics of Discrimination by : Gary S. Becker

Download or read book The Economics of Discrimination written by Gary S. Becker and published by University of Chicago Press. This book was released on 2010-08-15 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: This second edition of Gary S. Becker's The Economics of Discrimination has been expanded to include three further discussions of the problem and an entirely new introduction which considers the contributions made by others in recent years and some of the more important problems remaining. Mr. Becker's work confronts the economic effects of discrimination in the market place because of race, religion, sex, color, social class, personality, or other non-pecuniary considerations. He demonstrates that discrimination in the market place by any group reduces their own real incomes as well as those of the minority. The original edition of The Economics of Discrimination was warmly received by economists, sociologists, and psychologists alike for focusing the discerning eye of economic analysis upon a vital social problem—discrimination in the market place. "This is an unusual book; not only is it filled with ingenious theorizing but the implications of the theory are boldly confronted with facts. . . . The intimate relation of the theory and observation has resulted in a book of great vitality on a subject whose interest and importance are obvious."—M.W. Reder, American Economic Review "The author's solution to the problem of measuring the motive behind actual discrimination is something of a tour de force. . . . Sociologists in the field of race relations will wish to read this book."—Karl Schuessler, American Sociological Review

Evaluating Statistical Models of Mortgage Lending Discrimination

Author : Mitchell Stengel
Publisher :
ISBN 13 :
Total Pages : 46 pages
Book Rating : 4.E/5 ( download)

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Book Synopsis Evaluating Statistical Models of Mortgage Lending Discrimination by : Mitchell Stengel

Download or read book Evaluating Statistical Models of Mortgage Lending Discrimination written by Mitchell Stengel and published by . This book was released on 1995 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Oxford Handbook of Entrepreneurial Finance

Author : Douglas Cumming
Publisher : OUP USA
ISBN 13 : 0195391241
Total Pages : 937 pages
Book Rating : 4.1/5 (953 download)

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Book Synopsis The Oxford Handbook of Entrepreneurial Finance by : Douglas Cumming

Download or read book The Oxford Handbook of Entrepreneurial Finance written by Douglas Cumming and published by OUP USA. This book was released on 2012-03-22 with total page 937 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides a comprehensive picture of issues dealing with different sources of entrepreneurial finance and different issues with financing entrepreneurs. The Handbook comprises contributions from 48 authors based in 12 different countries.

On the Economics of Discrimination in Credit Markets

Author : Song Han
Publisher :
ISBN 13 :
Total Pages : 60 pages
Book Rating : 4.E/5 ( download)

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Book Synopsis On the Economics of Discrimination in Credit Markets by : Song Han

Download or read book On the Economics of Discrimination in Credit Markets written by Song Han and published by . This book was released on 2002 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Handbook on the Economics of Discrimination

Author : William M. Rodgers
Publisher : Edward Elgar Publishing
ISBN 13 : 184720015X
Total Pages : 315 pages
Book Rating : 4.8/5 (472 download)

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Book Synopsis Handbook on the Economics of Discrimination by : William M. Rodgers

Download or read book Handbook on the Economics of Discrimination written by William M. Rodgers and published by Edward Elgar Publishing. This book was released on 2009-01-01 with total page 315 pages. Available in PDF, EPUB and Kindle. Book excerpt: The papers contained in the first part of the book are particularly valuable as a primer for researchers interested in economic discrimination. On this basis alone this book is recommended for researchers seeking an overview of current techniques for assessing economic discrimination. . . The final section nicely highlights both the importance in understanding the interaction of policy and economic discrimination, and the difficulties in isolating policy effects. Education Economics Editor Rodgers has compiled a very useful book that summarizes the current state of the literature on economic discrimination. . . This reviewer learned something new and interesting in every chapter and particularly appreciated the clear survey of the age discrimination literature. . . This book will be of value to academics and to those in the legal arena. Highly recommended. J.P. Jacobsen, Choice Discrimination s dynamic nature means that no single theory, method, data or study should be relied upon to assess its magnitude, causes, or remedies. Despite some gains in our understanding, these remain active areas of debate among researchers, practitioners and policymakers. The specially commissioned papers in this volume, all by distinguished contributors, present the full range of issues related to this complex and challenging problem. Part 1 explores innovations in methods and data collection that help to provide richer descriptions of inequality. Part 2 reviews empirical evidence on discrimination that people with disabilities, older workers and gay, lesbian and bisexual individuals face. Although discrimination among these groups is not new, this Handbook shows that economists are beginning to more fully document their experiences. Part 3 presents a balanced discussion of anti-discrimination policies and the impact of affirmative action. The methods and data chapters are particularly designed to encourage researchers to utilize the new approaches and develop new data sources. Accessible and comprehensive, the Handbook is the seminal reference on the economics of discrimination for academic and professional economists, graduate students, advanced undergraduates, practitioners, policymakers, and funders of social science research.

The Color of Money

Author : Mehrsa Baradaran
Publisher : Harvard University Press
ISBN 13 : 0674982304
Total Pages : 382 pages
Book Rating : 4.6/5 (749 download)

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Book Synopsis The Color of Money by : Mehrsa Baradaran

Download or read book The Color of Money written by Mehrsa Baradaran and published by Harvard University Press. This book was released on 2017-09-14 with total page 382 pages. Available in PDF, EPUB and Kindle. Book excerpt: “Read this book. It explains so much about the moment...Beautiful, heartbreaking work.” —Ta-Nehisi Coates “A deep accounting of how America got to a point where a median white family has 13 times more wealth than the median black family.” —The Atlantic “Extraordinary...Baradaran focuses on a part of the American story that’s often ignored: the way African Americans were locked out of the financial engines that create wealth in America.” —Ezra Klein When the Emancipation Proclamation was signed in 1863, the black community owned less than 1 percent of the total wealth in America. More than 150 years later, that number has barely budged. The Color of Money seeks to explain the stubborn persistence of this racial wealth gap by focusing on the generators of wealth in the black community: black banks. With the civil rights movement in full swing, President Nixon promoted “black capitalism,” a plan to support black banks and minority-owned businesses. But the catch-22 of black banking is that the very institutions needed to help communities escape the deep poverty caused by discrimination and segregation inevitably became victims of that same poverty. In this timely and eye-opening account, Baradaran challenges the long-standing belief that black communities could ever really hope to accumulate wealth in a segregated economy. “Black capitalism has not improved the economic lives of black people, and Baradaran deftly explains the reasons why.” —Los Angeles Review of Books “A must read for anyone interested in closing America’s racial wealth gap.” —Black Perspectives

Discriminatory Pricing of Over-the-Counter Derivatives

Author : Hau Harald
Publisher : International Monetary Fund
ISBN 13 : 1498303773
Total Pages : 45 pages
Book Rating : 4.4/5 (983 download)

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Book Synopsis Discriminatory Pricing of Over-the-Counter Derivatives by : Hau Harald

Download or read book Discriminatory Pricing of Over-the-Counter Derivatives written by Hau Harald and published by International Monetary Fund. This book was released on 2019-05-07 with total page 45 pages. Available in PDF, EPUB and Kindle. Book excerpt: New regulatory data reveal extensive price discrimination against non-financial clients in the FX derivatives market. The client at the 90th percentile pays an effective spread of 0.5%, while the bottom quarter incur transaction costs of less than 0.02%. Consistent with models of search frictions in over-the-counter markets, dealers charge higher spreads to less sophisticated clients. However, price discrimination is eliminated when clients trade through multi-dealer request-for-quote platforms. We also document that dealers extract rents from captive clients and market opacity, but only for contracts negotiated bilaterally with unsophisticated clients.

The Color of Credit

Author : Stephen L. Ross
Publisher : MIT Press
ISBN 13 : 9780262264334
Total Pages : 488 pages
Book Rating : 4.2/5 (643 download)

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Book Synopsis The Color of Credit by : Stephen L. Ross

Download or read book The Color of Credit written by Stephen L. Ross and published by MIT Press. This book was released on 2002-11-08 with total page 488 pages. Available in PDF, EPUB and Kindle. Book excerpt: An analysis of current findings on mortgage-lending discrimination and suggestions for new procedures to improve its detection. In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity. In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied to discrimination in loan-pricing and credit-scoring.

Asymmetric Information and the Market Structure of the Banking Industry

Author : Mr.Giovanni Dell'Ariccia
Publisher : International Monetary Fund
ISBN 13 : 145195154X
Total Pages : 32 pages
Book Rating : 4.4/5 (519 download)

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Book Synopsis Asymmetric Information and the Market Structure of the Banking Industry by : Mr.Giovanni Dell'Ariccia

Download or read book Asymmetric Information and the Market Structure of the Banking Industry written by Mr.Giovanni Dell'Ariccia and published by International Monetary Fund. This book was released on 1998-06-01 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: The paper analyzes the effects of informational asymmetries on the market structure of the banking industry in a multi-period model of spatial competition. All lenders face uncertainty with regard to borrowers’ creditworthiness, but, in the process of lending, incumbent banks gather proprietary information about their clients, acquiring an advantage over potential entrants. These informational asymmetries are an important determinant of the industry structure and may represent a barrier to entry for new banks. The paper shows that, in contrast with traditional models of horizontal differentiation, the steady-state equilibrium is characterized by a finite number of banks even in the absence of fixed costs.

Studies in Labor Markets

Author : Sherwin Rosen
Publisher : University of Chicago Press
ISBN 13 : 0226726304
Total Pages : 408 pages
Book Rating : 4.2/5 (267 download)

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Book Synopsis Studies in Labor Markets by : Sherwin Rosen

Download or read book Studies in Labor Markets written by Sherwin Rosen and published by University of Chicago Press. This book was released on 2007-12-01 with total page 408 pages. Available in PDF, EPUB and Kindle. Book excerpt: The papers in this volume present an excellent sampling of the best of current research in labor economics, combining the most sophisticated theory and econometric methods with high-quality data on a variety of problems. Originally presented at a Universities-National Bureau Committee for Economic Research conference on labor markets in 1978, and not published elsewhere, the thirteen papers treat four interrelated themes: labor mobility, job turnover, and life-cycle dynamics; the analysis of unemployment compensation and employment policy; labor market discrimination; and labor market information and investment. The Introduction by Sherwin Rosen provides a thoughtful guide to the contents of the papers and offers suggestions for continuing research.

Uninformed

Author : Arthur Lupia
Publisher : Oxford University Press
ISBN 13 : 0190263725
Total Pages : 361 pages
Book Rating : 4.1/5 (92 download)

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Book Synopsis Uninformed by : Arthur Lupia

Download or read book Uninformed written by Arthur Lupia and published by Oxford University Press. This book was released on 2016 with total page 361 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research polls, media interviews, and everyday conversations reveal an unsettling truth: citizens, while well-meaning and even passionate about current affairs, appear to know very little about politics. Hundreds of surveys document vast numbers of citizens answering even basic questions about government incorrectly. Given this unfortunate state of affairs, it is not surprising that more knowledgeable people often deride the public for its ignorance. Some experts even think that less informed citizens should stay out of politics altogether. As Arthur Lupia shows in Uninformed, this is not constructive. At root, critics of public ignorance fundamentally misunderstand the problem. Many experts believe that simply providing people with more facts will make them more competent voters. However, these experts fail to understand how most people learn, and hence don't really know what types of information are even relevant to voters. Feeding them information they don't find relevant does not address the problem. In other words, before educating the public, we need to educate the educators. Lupia offers not just a critique, though; he also has solutions. Drawing from a variety of areas of research on topics like attention span and political psychology, he shows how we can actually increase issue competence among voters in areas ranging from gun regulation to climate change. To attack the problem, he develops an arsenal of techniques to effectively convey to people information they actually care about. Citizens sometimes lack the knowledge that they need to make competent political choices, and it is undeniable that greater knowledge can improve decision making. But we need to understand that voters either don't care about or pay attention to much of the information that experts think is important. Uninformed provides the keys to improving political knowledge and civic competence: understanding what information is important to and knowing how to best convey it to them.

The Economics of Imperfect Labor Markets

Author : Tito Boeri
Publisher : Princeton University Press
ISBN 13 : 0691158932
Total Pages : 464 pages
Book Rating : 4.6/5 (911 download)

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Book Synopsis The Economics of Imperfect Labor Markets by : Tito Boeri

Download or read book The Economics of Imperfect Labor Markets written by Tito Boeri and published by Princeton University Press. This book was released on 2013-09-24 with total page 464 pages. Available in PDF, EPUB and Kindle. Book excerpt: Most labor economics textbooks pay little attention to actual labor markets, taking as reference a perfectly competitive market in which losing a job is not a big deal. The Economics of Imperfect Labor Markets is the only textbook to focus on imperfect labor markets and to provide a systematic framework for analyzing how labor market institutions operate. This expanded, updated, and thoroughly revised second edition includes a new chapter on labor-market discrimination; quantitative examples; data and programming files enabling users to replicate key results of the literature; exercises at the end of each chapter; and expanded technical appendixes. The Economics of Imperfect Labor Markets examines the many institutions that affect the behavior of workers and employers in imperfect labor markets. These include minimum wages, employment protection legislation, unemployment benefits, active labor market policies, working-time regulations, family policies, equal opportunity legislation, collective bargaining, early retirement programs, education and migration policies, payroll taxes, and employment-conditional incentives. Written for advanced undergraduates and beginning graduate students, the book carefully defines and measures these institutions to accurately characterize their effects, and discusses how these institutions are today being changed by political and economic forces. Expanded, thoroughly revised second edition New chapter on labor-market discrimination New quantitative examples New data sets enabling users to replicate key results of the literature New end-of-chapter exercises Expanded technical appendixes Unique focus on institutions in imperfect labor markets Integrated framework and systematic coverage Self-contained chapters on each of the most important labor-market institutions

Solidarity in Strategy

Author : Lyn Spillman
Publisher : University of Chicago Press
ISBN 13 : 0226769569
Total Pages : 532 pages
Book Rating : 4.2/5 (267 download)

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Book Synopsis Solidarity in Strategy by : Lyn Spillman

Download or read book Solidarity in Strategy written by Lyn Spillman and published by University of Chicago Press. This book was released on 2012-08-30 with total page 532 pages. Available in PDF, EPUB and Kindle. Book excerpt: Popular conceptions hold that capitalism is driven almost entirely by the pursuit of profit and self-interest. Challenging that assumption, this major new study of American business associations shows how market and non-market relations are actually profoundly entwined at the heart of capitalism. In Solidarity in Strategy, Lyn Spillman draws on rich documentary archives and a comprehensive data set of more than four thousand trade associations from diverse and obscure corners of commercial life to reveal a busy and often surprising arena of American economic activity. From the Intelligent Transportation Society to the American Gem Trade Association, Spillman explains how business associations are more collegial than cutthroat, and how they make capitalist action meaningful not only by developing shared ideas about collective interests but also by articulating a disinterested solidarity that transcends those interests. Deeply grounded in both economic and cultural sociology, Solidarity in Strategy provides rich, lively, and often surprising insights into the world of business, and leads us to question some of our most fundamental assumptions about economic life and how cultural context influences economic.

Credit Supply and Productivity Growth

Author : Francesco Manaresi
Publisher : International Monetary Fund
ISBN 13 : 1498315917
Total Pages : 75 pages
Book Rating : 4.4/5 (983 download)

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Book Synopsis Credit Supply and Productivity Growth by : Francesco Manaresi

Download or read book Credit Supply and Productivity Growth written by Francesco Manaresi and published by International Monetary Fund. This book was released on 2019-05-17 with total page 75 pages. Available in PDF, EPUB and Kindle. Book excerpt: We study the impact of bank credit on firm productivity. We exploit a matched firm-bank database covering all the credit relationships of Italian corporations, together with a natural experiment, to measure idiosyncratic supply-side shocks to credit availability and to estimate a production model augmented with financial frictions. We find that a contraction in credit supply causes a reduction of firm TFP growth and also harms IT-adoption, innovation, exporting, and adoption of superior management practices, while a credit expansion has limited impact. Quantitatively, the credit contraction between 2007 and 2009 accounts for about a quarter of observed the decline in TFP.

The Economics of Consumer Credit

Author : Giuseppe Bertola
Publisher : MIT Press
ISBN 13 : 0262026015
Total Pages : 389 pages
Book Rating : 4.2/5 (62 download)

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Book Synopsis The Economics of Consumer Credit by : Giuseppe Bertola

Download or read book The Economics of Consumer Credit written by Giuseppe Bertola and published by MIT Press. This book was released on 2006 with total page 389 pages. Available in PDF, EPUB and Kindle. Book excerpt: Cross-national analysis of empirical, theoretical, and policy issues in the consumer credit industry, including household debt, credit card usage, and bankruptcy.

Access to Bank Credit and SME Financing

Author : Stefania Rossi
Publisher : Springer
ISBN 13 : 3319413635
Total Pages : 352 pages
Book Rating : 4.3/5 (194 download)

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Book Synopsis Access to Bank Credit and SME Financing by : Stefania Rossi

Download or read book Access to Bank Credit and SME Financing written by Stefania Rossi and published by Springer. This book was released on 2016-12-02 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explores how the global financial and European sovereign debt crises have forced small-and-medium-sized businesses (SMEs) to reassess and adapt their funding strategies. At the heart of the matter is the worsening access to bank credit for such enterprises. Through this discussion we learn how crucial an understanding of SME-financing is to policy makers, in light of the fact that SMEs dominate the business landscape in Europe and are the main drivers of employment, growth and innovation in the European economy. Contributing chapters present expert analysis and investigate many topics including the problems faced by SMEs in accessing bank credit and the cost of funding and its determinants. Particular attention is also given to how credit-constrained enterprises may reformulate their funding strategies by employing alternative, non-bank, financial resources, and how regulators could support SMEs in broadening and improving their funding opportunities.

Why Gender Matters in Economics

Author : Mukesh Eswaran
Publisher : Princeton University Press
ISBN 13 : 0691203253
Total Pages : 408 pages
Book Rating : 4.6/5 (912 download)

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Book Synopsis Why Gender Matters in Economics by : Mukesh Eswaran

Download or read book Why Gender Matters in Economics written by Mukesh Eswaran and published by Princeton University Press. This book was released on 2020-05-26 with total page 408 pages. Available in PDF, EPUB and Kindle. Book excerpt: An economic way of thinking about the gender issues confronting women around the world Gender matters in economics—for even with today's technology, fertility choices, market opportunities, and improved social norms, economic outcomes for women remain markedly worse than for men. Drawing on insights from feminism, postmodernism, psychology, evolutionary biology, Marxism, and politics, this textbook provides a rigorous economic look at issues confronting women throughout the world—including nonmarket scenarios, such as marriage, family, fertility choice, and bargaining within households, as well as market areas, like those pertaining to labor and credit markets and globalization. Mukesh Eswaran examines how women’s behavioral responses in economic situations and their bargaining power within the household differ from those of men. Eswaran then delves into the far-reaching consequences of these differences in both market and nonmarket domains. The author considers how women may be discriminated against in labor and credit markets, how their family and market circumstances interact, and how globalization has influenced their lives. Eswaran also investigates how women have been empowered through access to education, credit, healthcare, and birth control; changes in ownership laws; the acquisition of suffrage; and political representation. Throughout, Eswaran applies sound economic analysis and new modeling approaches, and each chapter concludes with exercises and discussion questions. This textbook gives readers the necessary tools for thinking about gender from an economic perspective. Addresses economic issues for women throughout the world, in both developed and developing countries Looks at both market and nonmarket domains Requires only a background in basic economic principles Includes the most recent research on the economics of gender in a range of areas Concludes each chapter with exercises and discussion questions