Bank lending rates and spreads in EMDEs: Evolution, drivers, and policies

Banks dominate credit intermediation and savings mobilization in most emerging markets and developing economies (EMDEs). As bank lending interest rates and the lending-deposit interest spreads capture the efficiency with which banks allocate society’s savings to its most productive uses, high lending rates and spreads pose a challenge for policy makers in EMDEs: they can affect monetary policy transmission, hinder private investment and job creation, inhibit financial development and inclusion, and ultimately compromise financial stability.

Significant Relationship among the Components of a Misery Index: The Nigerian Scenario

The misery index is a measure of how miserable the citizens of a country can be at a particular period of time. It is measured by evaluating the addition of Inflation Rate, Unemployment Rate and Lending rate, minus Year-On-Year growth in GDP per Capita. This shows that the higher the misery index, the more the […]

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