The Adverse Impact of Retailer-Established Trade-In Programs on Consumer Welfare

Interrelationship Among Competition, Diversification and Liquidity Creation: Evidence from Indian Banks

Margin The Journal of Applied Economic Research ◽

10.1177/0973801021990398 ◽

2021 ◽

Vol 15 (2) ◽

pp. 183-204

Author(s):

Pankaj Sinha ◽

Naina Grover

Keyword(s):

Inverse Relationship ◽

Consumer Welfare ◽

Adverse Impact ◽

Public And Private ◽

Jel Codes ◽

Trade Off ◽

Private Banks ◽

Indian Banks ◽

The Impact

This study analyses the impact of competition on liquidity creation by banks and investigates the dynamics between diversification, liquidity creation and competition for banks operating in India during the period from 2005 to 2018. Using the broad and narrow measures of liquidity creation, an inverse relationship is determined between liquidity creation and competition. The study also indicates a trade-off between pro-competitive policies to improve consumer welfare and the liquidity-destroying effects of competition, and it highlights how diversification affects liquidity creation. Highly diversified banks in India create less liquidity compared with less-diversified banks, both public and private. The liquidity-destroying effects of competition is intensified among highly diversified private banks, which suggest that diversification has not moderated the adverse impact of competition. JEL Codes: G01, G18, G21, G28

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Is Retest Bias Biased?

Journal of Personnel Psychology ◽

10.1027/1866-5888/a000149 ◽

2016 ◽

Vol 15 (2) ◽

pp. 45-54 ◽

Cited By ~ 4

Author(s):

Jason G. Randall ◽

Anton J. Villado ◽

Christina U. Zimmer

Keyword(s):

Sex Differences ◽

Emotional Stability ◽

Adverse Impact ◽

Mental Ability ◽

Ability Test ◽

General Mental Ability ◽

Psychological Mechanisms

Abstract. The purpose of this study was to test for race and sex differences in general mental ability (GMA) retest performance and to identify the psychological mechanisms underlying these differences. An initial and retest administration of a GMA assessment separated by a six-week span was completed by 318 participants. Contrary to our predictions, we found that race, sex, and emotional stability failed to moderate GMA retest performance. However, GMA assessed via another ability test and conscientiousness both partially explained retest performance. Additionally, we found that retesting may reduce adverse impact ratios by lowering the hiring threshold. Ultimately, our findings reinforce the need for organizations to consider race, sex, ability, and personality when implementing retesting procedures.

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