IDEAS home Printed from https://ideas.repec.org/a/sae/envira/v15y1983i5p663-673.html
   My bibliography  Save this article

Building Societies and Local Lending Behaviour

Author

Listed:
  • 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)

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.

Suggested Citation

  • J Doling & P Williams, 1983. "Building Societies and Local Lending Behaviour," Environment and Planning A, , vol. 15(5), pages 663-673, May.
    • Handle: RePEc:sae:envira:v:15:y:1983:i:5:p:663-673
    DOI: 10.1068/a150663
    as

    Download full text from publisher

    File URL: https://journals.sagepub.com/doi/10.1068/a150663
    Download Restriction: no
    File URL: https://libkey.io/10.1068/a150663?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    References listed on IDEAS

    as
    1. Hewitt, V N & Thom, D R, 1978. "An Econometric Model of Building Society Behaviour in Northern Ireland," Scottish Journal of Political Economy, Scottish Economic Society, vol. 25(2), pages 165-175, June.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.

      More about this item

      Statistics

      Access and download statistics

      Corrections

      All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:sae:envira:v:15:y:1983:i:5:p:663-673. See general information about how to correct material in RePEc.

      If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

      If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

      If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

      For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: SAGE Publications (email available below). General contact details of provider: .

      Please note that corrections may take a couple of weeks to filter through the various RePEc services.

      IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.