Building Societies and Local Lending Behaviour

J Doling and P Williams
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J Doling: Centre for Urban and Regional Studies, University of Birmingham, Birmingham B15 2TT, England
P Williams: Urban Research Unit, Research School of Social Sciences, The Australian National University, PO Box 4, Canberra, ACT 2600, Australia

Environment and Planning A, 1983, vol. 15, issue 5, 663-673

Abstract: This paper considers the determinants of variation in individual building society lending behaviour. A level of conformity in lending behaviour is identified, which it is argued results from a number of constraints that arise from the environment in which lending decisions are made. It is further argued, however, that considerable variation in lending behaviour is also apparent and is made possible by the practice of charging interest rates which are lower than the market clearing rate. The first part of the paper expands on these arguments and develops a model of managerial lending behaviour. The paper then continues with an examination of successful mortgage applicants in a sample of building society branch offices and attempts to show what statistical evidence there is for the pattern of variation and constraints described at the inter- and intrasociety levels.

Date: 1983
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Persistent link: https://EconPapers.repec.org/RePEc:sae:envira:v:15:y:1983:i:5:p:663-673

DOI: 10.1068/a150663

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