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Germana Giombini

University of Urbino

Associate Professor

Via Saffi 2

Urbino, Pesaro-Urbino 61029

Italy

Money and Finance Research group (Mo.Fi.R.)

Piazzale Martelli, 8

Ancona, 60100

Italy

  • University of Urbino

  • Money and Finance Research group (Mo.Fi.R.)

SCHOLARLY PAPERS

9

DOWNLOADS

1,283

TOTAL CITATIONS

21

Scholarly Papers (9)

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1.

Gender and the Availability of Credit to Privately Held Firms: Evidence from the Surveys of Small Business Finances

FRB of New York Staff Report No. 383
Number of pages: 80 Posted: 06 Mar 2009 Last Revised: 22 Dec 2025
Rebel A. Cole, Hamid Mehran and Germana Giombini
Florida Atlantic University, Independent and University of Urbino
Downloads 727 (87,289)
Citation 17

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access to credit, denied borrower, discouraged borrower, discrimination, entrepreneurship, gender, SSBF

2.

The Impact of the Recent Financial Crisis on Bank Loan Interest Rates and Guarantees

Number of pages: 24 Posted: 20 Feb 2012
Giorgio Calcagnini, Fabio Farabullini and Germana Giombini
University of Urbino Carlo Bo - Department of Economics, Society and Politics, Bank of Italy and University of Urbino
Downloads 220 (346,707)
Citation 4

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financial crisis, guarantees, lending relationship

3.

Monetary and Fiscal Policy in a Nonlinear Model of Public Debt

Number of pages: 26 Posted: 07 Feb 2022
Gian Italo Bischi, Germana Giombini and Giuseppe Travaglini
University of Urbino - Faculty of Economics, University of Urbino and Università degli Studi di Urbino - Department of Economics
Downloads 149 (497,070)

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public debt, interest rate, instability, chaos

4.

Who Makes the Call? Bank Internal Organization, Decision Making and Firm Loan Deterioration

Number of pages: 35 Posted: 21 Jun 2025
Germana Giombini, Giorgio Calcagnini and Rebel A. Cole
University of Urbino, University of Urbino Carlo Bo - Department of Economics, Society and Politics and Florida Atlantic University
Downloads 47 (1,097,529)

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SMEs funding, Relationship lending, Bank-loan policies.

5.

Gender Differences in Bank Loan Access: An Empirical Analysis

Midwest Finance Association 2013 Annual Meeting Paper
Number of pages: 26 Posted: 01 Sep 2012 Last Revised: 23 Feb 2022
Giorgio Calcagnini, Germana Giombini and Elisa Lenti
University of Urbino Carlo Bo - Department of Economics, Society and Politics, University of Urbino and University of Urbino
Downloads 43 (1,145,425)

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small and medium enterprises, gender discrimination, bank loan

6.

Do Bank Hierarchies Affect the Use of Guarantees?

Number of pages: 12 Posted: 25 Aug 2025
Andrea Bacchiocchi, Giorgio Calcagnini and Germana Giombini
University of Urbino Carlo Bo, University of Urbino Carlo Bo - Department of Economics, Society and Politics and University of Urbino
Downloads 37 (1,222,651)

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Bank Lending, Managerial Hierarchy, Asymmetric Information, Loan Collateral, Relationship Lending.

7.

Bank Loans and Guarantees: Do Decisional Levels Matter?

Number of pages: 1 Posted: 21 Apr 2025
Andrea Bacchiocchi, Giorgio Calcagnini and Germana Giombini
University of Urbino Carlo Bo, University of Urbino Carlo Bo - Department of Economics, Society and Politics and University of Urbino
Downloads 35 (1,249,711)

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Bank Lending, Hierarchical Levels, Personal Guarantees, Collateral, Relationship Lending

8.

Financial Risk and Technology Shifting: Firm-level Evidence from the Rise of AI

Number of pages: 22 Posted: 08 Apr 2026
Andrea Bacchiocchi, Germana Giombini, Ludovica Segneri and Francesco Venturini
University of Urbino Carlo Bo, University of Urbino, University of Urbino Carlo Bo and University of Urbino - Faculty of Economics
Downloads 25 (1,385,945)

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AI, Financial Risk, Technology Development, Cash-flow Volatility

9.

Tax Evasion, the Quality of the Legal System, and the Difficulties of Credit Access

Rivista Italiana degli Economisti, Vol. 1, No. 4, 2010
Posted: 26 Apr 2010
Germana Giombini and Désirée Teobaldelli
University of Urbino and University of Urbino

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shadow economy, financial constraints, legal institutions