Concept

Crise des Savings and loan

Publications associées (15)

Flood, farms and credit: The role of branch banking in the era of climate change

Using Iran's unexpected flood in April 2019 as a natural experiment, we show that local branches bridge the time gap between the disaster and governmental aids by immediately increasing their lending for two months following the flood. Analyzing proprietar ...

Elsevier2024

The Rebound Effects from Industrial Energy Efficiency Improvements

Michel Zimmermann

In energy policy, energy efficiency constitutes a central element in reducing domestic and, specifically, industrial en-ergy use. Unfortunately, the effectiveness of energy efficiency improvements in achieving its targets is known to be limited by rebound ...

EPFL2022

How the Labour Self-Build: Marshall Plan and Workers’ Housing Cooperatives in Turkey

Sila Karatas

This presentation aims to discuss the transnational activity and discourse behind the programmatic shift in spatial production and layout of workers’ housing in Turkey from the state-financed model of the interwar period to the assisted self-help model by ...

2021

Why Does Fast Loan Growth Predict Poor Performance for Banks?

Rüdiger Fahlenbrach

From 1973 to 2014, the common stock of U.S. banks with loan growth in the top quartile of banks over a three-year period significantly underperformed the common stock of banks with loan growth in the bottom quartile over the next three years. After the per ...

2018

IT Investment and its impacts

Shameem Hasan

This thesis empirically explored the impacts of IT investment on three different scenarios under the common denominator / threads of IT investments. It comprises three different essays on the impacts of IT investments. IT investments and its impact on many ...

EPFL2018

To Buy or Not to Buy: Consumer Constraints in the Housing Market

Andreas Fuster

We use a strategic household survey to study the sensitivity of intended homeownership decisions to financing constraints. We find that the average stated likelihood of buying a home is strongly sensitive to the size of the required down payment, which we ...

2016

Credit Supply and the Macroeconomy

Abhik Mukherjee

The policy response to the recent financial crisis has broadly focused on two themes: 1) Increasing the banking sectorsâ resilience to future financial shocks: 2) Improving credit availability to households and firms via lowering both short and long-term ...

EPFL2016

The Rescue of Fannie Mae and Freddie Mac

Andreas Fuster

The imposition of federal conservatorships on September 6, 2008, at the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation—commonly known as Fannie Mae and Freddie Mac—was one of the most dramatic events of the financial c ...

2015

Resource Partitioning and the Organizational Dynamics of ‘Fringe Banking’

Fabiana Visentin

We examine the emergence and proliferation of payday lenders, fringe businesses that provide small short-term, but high-cost loans. We link the organizational dynamics of these businesses to two trends in consumer lending in the United States: the continui ...

American Sociological Association2014

Mortgage Amortization and Amplification

Luisa Lambertini, Chiara Forlati

Mortgages characterized by negative or low early amortization schedules amplify the macroeconomic effects of a housing risk shock. We analyze the role of mortgage amortization in a two-sector DSGE model with housing risk and endogenous default. Mortgage lo ...

Center for Fiscal Policy Working Paper Series2012

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