Tiniç, Murat

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Name Variants
Tinic, Murat
Tiniç,M.
Murat Tiniç
T.,Murat
TINIÇ, Murat
Murat TINIÇ
Tinic,Murat
T., Murat
Tiniç, Murat
Tinic,M.
TINIÇ, MURAT
Murat, Tinic
MURAT TINIÇ
Tiniç, M.
M. Tiniç
Tiniç, MURAT
Job Title
Dr. Öğr. Üyesi
Email Address
murat.tinic@khas.edu.tr
Main Affiliation
International Trade and Finance
Status
Website
ORCID ID
0000-0002-5853-2961
Scopus Author ID
57130973600
Turkish CoHE Profile ID
Google Scholar ID
WoS Researcher ID
AAN-3337-2020

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Scholarly Output

9

Articles

8

Citation Count

17

Supervised Theses

0

Filters

2020 - 20232
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Scholarly Output Search Results

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  • Thumbnail Image
    Book Part
    Citation - WoS: 0
    Gender Gap in Consumer Loan Performance: Evidence From Fintech Lending in an Emerging Economy
    (Emerald Group Publishing Ltd, 2023) Savaser, Tanseli; Tiniç, Murat; Tinic, Murat; Tumer-Alkan, Gunseli; Karaman, Hakki Deniz; International Trade and Finance
    This study examines whether fintech lending further enhances or mitigates the gender-based differences in consumer loan performance in an emerging market. Using a proprietary dataset of over 5.5 million consumer loans offered by the fifth-largest bank in Turkey and its fintech subsidiary, the authors first document a significant gender gap in average loan performances. In line with the previous empirical findings, men are more likely to default on their debt. The average difference in loan performance is around 10 basis points, indicating a statistically and economically significant magnitude even after controlling for an exhaustive list of demographic and credit characteristics. Next, the authors show that the gender gap in loan performance is more pronounced in areas where women have more outside options in terms of social and economic opportunities. Specifically, the authors observe that gender-based differences are predominantly evident in cities with higher divorce rates, lower young and elderly dependence, smaller household sizes, and higher labor force participation of women. Since the child and elderly care duties disproportionately influence women's ability to participate in economic life, their ability to find resources to pay their loans in a timely manner improves more in comparison to men in areas where women face fewer restrictions to seek local economic opportunities outside the household. Finally, the authors document that fintech loans partially mitigate the gender-based differences in consumer loan performance in those cities. This result suggests that the developments in financial technology can reduce the inefficiencies associated with human involvement in credit decisions, narrowing the gender gap in loan outcomes to the extent that these gaps are attributable to the supply-side factors that involve human judgment and biases.
  • Thumbnail Image
    Article
    Citation - WoS: 6
    Citation - Scopus: 6
    Political Turmoil and the Impact of Foreign Orders on Equity Prices
    (Elsevier, 2020) Tiniç, Murat; Tiniç, Murat; Savaşer, Tanseli; International Trade and Finance
    This paper examines whether foreign investors possess an information advantage over local investors in the Turkish stock market between 2007 and 2015. We find that foreign investors have an information advantage in 24 stocks, corresponding to seven percent of the sample firms. Foreign investors' information advantage tends to prevail primarily during a period of political instability, which started with the Gezi Park protests in June 2013. The adverse selection component of the foreign trade spreads, which reflects a permanent change in stock prices, rises significantly after June 2013, by 66 bps. Our results suggest that domestic investors' funding constraints, which limit their ability to impart their information on stock prices, may give foreign investors a relative information advantage during periods of political turmoil. (C) 2020 Elsevier B.V. All rights reserved.