Arzu SAHİN

3510

NON-FINANCIAL CREDIT INFORMATION SHARING AND NON-PERFORMING LOANS: AN ANALYSIS USING DOING BUSINESS DATABASE

Purpose- This paper suggests that sharing of credit information from non-financial information sources decrease the non-performing loan rate. To analyze whether the differences in non-financial information sharing across countries have any effect on the percentage of nonperforming loan, a sample of 55 countries from Doing Business 2017 is analyzed. Methodology- Cross section regressions on country level data for the year 2015 is estimated by Ordinary Least Squares Method. Findings- Analysis findings reveal that availability of non-financial credit information from retails and utilities companies, as addition to financial sources, in a credit reporting institution lower the bank non-performing loan rates.Conclusion- It can be concluded that the payment behavior reported by non-financial information providers can cause to a reduction in information asymmetries between lenders and borrowers.  
Keywords:

Credit information sharing, non-financial information, comprehensive credit reporting non-performing loans,

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Journal of Business Economics and Finance-Cover
  • Yayın Aralığı: Yılda 4 Sayı
  • Başlangıç: 2012
  • Yayıncı: PressAcademia
Arşiv
Sayıdaki Diğer Makaleler

Hulya GUNDUZ CEKMECELİOGLU, Ozgun OZTURK ILHAN, Ayse GUNSEL

Ayse Nurefsan YUKSEL, Emine SENER

Ertan GUNDUZ

Murat Taha BİLİSİK, Gulizar OZKAYA ELİBOL

Arzu SAHİN

Lale ARSLAN

Alev KOCAK ALAN, Ebru TUMER KABADAYI, Selen BAKİS, Sabina IBRAHİMOVİC ILDOKUZ

Müjdelen İ. YENER, F. Gulruh GURBUZ, Pinar ACAR

Zeynep ILHAN DALBUDAK, Murat ATAN, Veysel YILMAZ