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Three essays on the economics of Uni...

Rahman, A. F. M. Ataur.

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Three essays on the economics of United States credit unions.

紀錄類型:	書目-電子資源 : Monograph/item
正題名/作者:	Three essays on the economics of United States credit unions./
作者:	Rahman, A. F. M. Ataur.
面頁冊數:	66 p.
附註:	Source: Dissertation Abstracts International, Volume: 64-07, Section: A, page: 2600.
Contained By:	Dissertation Abstracts International64-07A.
標題:	Economics, Finance. -
電子資源:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3097908
ISBN:	0496455214

Three essays on the economics of United States credit unions.
Rahman, A. F. M. Ataur.

Three essays on the economics of United States credit unions. - 66 p.

Source: Dissertation Abstracts International, Volume: 64-07, Section: A, page: 2600.

Thesis (Ph.D.)--The American University, 2003.

This dissertation addresses the issue of competition between banks and credit unions in two types of loan markets, namely, the 24-month Unsecured (non-credit card) Loan (USL) and the 48-month New Vehicle Loan (NVL) markets. Our study is limited to a sample of US firms. We have three sections in our study. In the first section, we ran a Granger causality test on bank and credit union loan rates. In the second section, we pooled bank and credit union data together and ran Generalized Least Square (GLS) regressions. In the last section, we tried to conceptualize credit union behavior, assuming a service-maximizing approach and designed a number of empirically testable hypotheses. We found that, credit union and bank loans are substitutable in the sense that they influence each other's price. We also found that the two loan rates, namely the USL and the NVL rates, respond to market variables as well as institution-specific variables. Our empirical findings show significant differences in pricing behavior of banks and credit unions in the NVL market. Credit union loan rates are more influenced by credit union-specific variables, while bank rates respond equally to bank-specific and market variables. We noticed that effects of a number of variables could be explained by assuming a more service-oriented, non-profit behavior of credit unions.

ISBN: 0496455214Subjects--Topical Terms:

626650
Economics, Finance.

Three essays on the economics of United States credit unions.
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500 $a Source: Dissertation Abstracts International, Volume: 64-07, Section: A, page: 2600.
500 $a Chair: Robert Feinberg.
502 $a Thesis (Ph.D.)--The American University, 2003.
520 $a This dissertation addresses the issue of competition between banks and credit unions in two types of loan markets, namely, the 24-month Unsecured (non-credit card) Loan (USL) and the 48-month New Vehicle Loan (NVL) markets. Our study is limited to a sample of US firms. We have three sections in our study. In the first section, we ran a Granger causality test on bank and credit union loan rates. In the second section, we pooled bank and credit union data together and ran Generalized Least Square (GLS) regressions. In the last section, we tried to conceptualize credit union behavior, assuming a service-maximizing approach and designed a number of empirically testable hypotheses. We found that, credit union and bank loans are substitutable in the sense that they influence each other's price. We also found that the two loan rates, namely the USL and the NVL rates, respond to market variables as well as institution-specific variables. Our empirical findings show significant differences in pricing behavior of banks and credit unions in the NVL market. Credit union loan rates are more influenced by credit union-specific variables, while bank rates respond equally to bank-specific and market variables. We noticed that effects of a number of variables could be explained by assuming a more service-oriented, non-profit behavior of credit unions.
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