collat


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collat.

collateral.
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We run OLS regressions separately for credits < $100K and for credits of $100K-$250K, and run each regression both with and without the potentially endogenous loan contract terms, COLLAT, COMMIT, and ln(CREDIT SIZE).
For the COLLAT = 1, COLLAT = 0, and COMMIT = 1 subsamples, the main results generally hold with similar coefficients, albeit with weaker statistical significance apparently due to the reduced degrees of freedom in estimation.