Sustainability in FinTechs: An Explanation through Business Model Scalability and Market Valuation

Roberto Moro-Visconti, Salvador Cruz Rambaud and Joaquín López Pascual. Sustainability in FinTechs: An Explanation through Business Model Scalability and Market Valuation. (Sustainability).

Financial Technology (FinTech) is an industry composed of diversified firms that combine financial services with innovative technologies. The research question and main goal are attempting to answer whether they are more similar to traditional banks or trendy technological firms deploying their innovativeness to favor financial inclusion and sustainability. 

 


Acute Effects of Global Postural Re-Education on Non-Specific Low Back Pain. Does Time-of-Day Play a Role?

David Merinero, Manuel Rodríguez-Aragón, Javier Álvarez-González, Álvaro López-Samanes and Joaquín López-Pascual. "Acute Effects of Global Postural Re-Education on Non-Specific Low Back Pain. Does Time-of-Day Play a Role?" International Journal of Environmental Research and Public Health

This article will serve as the basis for subsequent studies that are being carried out on the treatment of LBP as an aid to improve the health quality standards so important in the western industrialized economies.

Low back pain  is one the most common forms of musculoskeletal disorders. Thus, several physiotherapeutic strategies (e.g., global postural re-education therapy) have been used for reducing low back pain. The aim of this study was to determinate if acute application of global postural re-education session associated effects are influenced by the time-of-day when this physical therapy is applied. 

 


Structural breaks in the interaction between bank and sovereign default risk

Lidija Lovreta & Joaquín López Pascual(2020) "Structural breaks in the interaction between bank and sovereign default risk" SERIEs Journal of the Spanish Economic Association.

The recent financial and sovereign debt crises emphasized the interdependence between bank and sovereign default risk and showed that major shocks may lead to a self-reinforcing negative spiral. In this paper, we analyse the pattern of interaction between bank and sovereign default risk by endogenously estimating the timing of structural breaks. 

 

     

 


Determinants of Repayment among Male and Female Microcredit Clients in the USA. An Approach Based on Managers’ Perceptions

Emilio M. Santandreu, Joaquín López Pascual and Salvador Cruz Rambaud (2020). Determinants of Repayment among Male and Female Microcredit Clients in the USA. An Approach Based on Managers’ Perceptions (Sustainability). February, 2020. 
 

Research on microfinance institutions (MFIs) has normally been focused on developing and emerging markets. However, an analysis of developed countries is also important for foreign MFIs wishing to take advantage of the growth potential of those markets. Therefore, the aim of this article is to determine whether MFIs working in the USA’s market should change or adapt their microcredit policies with respect to women. In e ect, there are no studies in the USA supporting the argument that women are a better risk of microcredit than men, or that there are di erences in microcredit repayment behavior between women and men. Additionally, it was investigated if the payment behavior of women and men is related to variables such as their age, ethnicity, academic level, marital status, or the characteristics of the microcredits, like purposes, amounts, and payment terms. In the USA, there are not—as in other countries—strong incentives, motivations, or external pressures, other than those that men also have, which influence women to pay their microloans better than men. Then, domestic and international MFIs attracted to enter the USA’s market should review their microcredit policies in relation to women. More research is needed about the microfinance market in the USA.

 

 


Microfinance institutions in the USA: the glocalization of microcredit policies in relation to gender

Emilio M. Santandreu and Joaquín López Pascual (2019) "Microfinance institutions in the USA: the glocalization of microcredit policies in relation to gender" Enterprise Development and Microfinance (Practical Action Publishing), June 01, 2019 


The aim of this research was to inquire if foreign microfinance institutions (MFIs), interested in entering the US microfinance market because of its location advantages, should glocalize their microcredit policies. Research found that women in the USA are a no better risk for microcredit than men, and there are no differences in the repayment of microloans between men and women. The payment behaviour of women and men related to certain specific variables was also investigated. A survey sent to 203 MFIs was used, to which 17.73 per cent responded. Findings show that, in the USA, there are no strong incentives, motivations or external pressures which influence women to pay microcredits better than men. Therefore, international MFIs entering the USA should glocalize their microcredit policies in relation to women as well as their product design and policies for granting microloans.

 

ORCID iD iconhttps://orcid.org/0000-0002-6236-9853


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