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This paper studies the credit supply and welfare effects of targeted interest rate caps when lenders selectively reach out to borrowers, a common practice in many settings. Using a reform that tightened interest rate caps on agricultural loans in Ecuador, I show that, consistent with the reallocation prediction, cooperatives reduced agricultural lending and increased non-agricultural lending. By contrast, banks expanded agricultural lending. I develop an empirical model in which lenders allocate supply by selectively extending offers to borrowers. I find that, although all lenders reduced their offers to agricultural borrowers, banks' originations increased because steeper price cuts raised borrower acceptance. Most of the cross-sector supply reallocation and welfare losses in the agricultural sector are due to targeting.", "occurrence_notes":null, "guid":"151832-21912239@events.umich.edu", "permalink":"http:\/\/events.umich.edu\/event\/151832", "building_id":"1005177", "building_name":"North Quad", "campus_maps_id":"553", "room":"4300", "location_name":"North Quad", "has_livestream":0, "cost":"", "tags":["Economics","Industrial Organization","seminar"], "website":"http:\/\/www.lsa.umich.edu\/econ", "sponsors":[ { "group_name":"Department of Economics", "group_id":"3302", "website":"http:\/\/www.lsa.umich.edu\/econ" }, { "group_name":"Applied Microeconomics\/Industrial Organization", "group_id":"3545", "website":"" }, { "group_name":"Department of Economics Seminars", "group_id":"3566", "website":"" } ], "image_url":"https:\/\/events.umich.edu\/media\/attachments\/2026\/09\/event_151832_original-1.jpg", "styled_images":{ "event_thumb":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_thumb\/media\/attachments\/2026\/09\/event_151832_original-1.jpg", "event_large":"https:\/\/events.umich.edu\/media\/cache\/event_large\/media\/attachments\/2026\/09\/event_151832_original-1.jpg", "event_large_2x":"https:\/\/events.umich.edu\/media\/cache\/event_large_2x\/media\/attachments\/2026\/09\/event_151832_original-1.jpg", "event_large_lightbox":"https:\/\/events.umich.edu\/media\/cache\/event_large_lightbox\/media\/attachments\/2026\/09\/event_151832_original-1.jpg", "group_thumb":"https:\/\/events.umich.edu\/media\/cache\/resolve\/group_thumb\/media\/attachments\/2026\/09\/event_151832_original-1.jpg", "group_thumb_square":"https:\/\/events.umich.edu\/media\/cache\/resolve\/group_thumb_square\/media\/attachments\/2026\/09\/event_151832_original-1.jpg", "group_large":"https:\/\/events.umich.edu\/media\/cache\/resolve\/group_large\/media\/attachments\/2026\/09\/event_151832_original-1.jpg", "group_large_lightbox":"https:\/\/events.umich.edu\/media\/cache\/resolve\/group_large_lightbox\/media\/attachments\/2026\/09\/event_151832_original-1.jpg", "event_large_crop":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_large_crop\/media\/attachments\/2026\/09\/event_151832_original-1.jpg", "event_list":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_list\/media\/attachments\/2026\/09\/event_151832_original-1.jpg", "event_list_2x":"https:\/\/events.umich.edu\/media\/cache\/event_list_2x\/media\/attachments\/2026\/09\/event_151832_original-1.jpg", "event_grid":"https:\/\/events.umich.edu\/media\/cache\/event_grid\/media\/attachments\/2026\/09\/event_151832_original-1.jpg", "event_grid_2x":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_grid_2x\/media\/attachments\/2026\/09\/event_151832_original-1.jpg", "event_feature_large":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_feature_large\/media\/attachments\/2026\/09\/event_151832_original-1.jpg", "event_feature_thumb":"https:\/\/events.umich.edu\/media\/cache\/event_feature_thumb\/media\/attachments\/2026\/09\/event_151832_original-1.jpg" }, "occurrence_count":1, "first_occurrence":21912239 } , "151019-21910730": { "datetime_modified":"20260827T123255", "datetime_start":"20260911T100000", "datetime_end":"20260911T110000", "has_end_time":1, "date_start":"2026-09-11", "date_end":"2026-09-11", "time_start":"10:00:00", "time_end":"11:00:00", "time_zone":"America\/Detroit", "event_title":"Virtual Information Session with the Federal Bureau of Investigation (FBI)", "occurrence_title":"", "combined_title":"Virtual Information Session with the Federal Bureau of Investigation (FBI)", "event_subtitle":"", "event_type":"Careers \/ Jobs", "event_type_id":"2", "description":"The Federal Bureau of Investigation will be hosting a virtual info session to discuss working at the FBI, and the range of full time roles and other opportunities they have available to students and upcoming graduates entering the workforce. The focus of the event will be full-time employment post graduation. You should join the event if you are interested in:\n\nLearning about specific roles with the FBI.\nDevelop our understanding of what a career in Federal service can look like for you.\nLearning about post-graduation career opportunities.\nThe virtual event link will be attached soon. Register today to stay up to date on updates, and to let us know you are attending. We'll see you soon!", "occurrence_notes":null, "guid":"151019-21910730@events.umich.edu", "permalink":"http:\/\/events.umich.edu\/event\/151019", "building_id":"null", "building_name":"Off Campus Location", "campus_maps_id":"1", "room":"", "location_name":"Virtual", "has_livestream":1, "livestream_type":"other", "livetream_require_login":0, "livestream_id":"", "livestream_link":"", "cost":"", "tags":["Career","Government","Lsa Opportunity Hub"], "website":"http:\/\/lsa.umich.edu\/opportunityhub", "sponsors":[ { "group_name":"LSA Opportunity Hub", "group_id":"3815", "website":"http:\/\/lsa.umich.edu\/opportunityhub" } ], "image_url":"https:\/\/events.umich.edu\/media\/attachments\/2026\/08\/event_151019_original-1.jpg", "styled_images":{ "event_thumb":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_thumb\/media\/attachments\/2026\/08\/event_151019_original-1.jpg", "event_large":"https:\/\/events.umich.edu\/media\/cache\/event_large\/media\/attachments\/2026\/08\/event_151019_original-1.jpg", "event_large_2x":"https:\/\/events.umich.edu\/media\/cache\/event_large_2x\/media\/attachments\/2026\/08\/event_151019_original-1.jpg", "event_large_lightbox":"https:\/\/events.umich.edu\/media\/cache\/event_large_lightbox\/media\/attachments\/2026\/08\/event_151019_original-1.jpg", "group_thumb":"https:\/\/events.umich.edu\/media\/cache\/resolve\/group_thumb\/media\/attachments\/2026\/08\/event_151019_original-1.jpg", "group_thumb_square":"https:\/\/events.umich.edu\/media\/cache\/resolve\/group_thumb_square\/media\/attachments\/2026\/08\/event_151019_original-1.jpg", "group_large":"https:\/\/events.umich.edu\/media\/cache\/resolve\/group_large\/media\/attachments\/2026\/08\/event_151019_original-1.jpg", "group_large_lightbox":"https:\/\/events.umich.edu\/media\/cache\/resolve\/group_large_lightbox\/media\/attachments\/2026\/08\/event_151019_original-1.jpg", "event_large_crop":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_large_crop\/media\/attachments\/2026\/08\/event_151019_original-1.jpg", "event_list":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_list\/media\/attachments\/2026\/08\/event_151019_original-1.jpg", "event_list_2x":"https:\/\/events.umich.edu\/media\/cache\/event_list_2x\/media\/attachments\/2026\/08\/event_151019_original-1.jpg", "event_grid":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_grid\/media\/attachments\/2026\/08\/event_151019_original-1.jpg", "event_grid_2x":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_grid_2x\/media\/attachments\/2026\/08\/event_151019_original-1.jpg", "event_feature_large":"https:\/\/events.umich.edu\/media\/cache\/resolve\/event_feature_large\/media\/attachments\/2026\/08\/event_151019_original-1.jpg", "event_feature_thumb":"https:\/\/events.umich.edu\/media\/cache\/event_feature_thumb\/media\/attachments\/2026\/08\/event_151019_original-1.jpg" }, "occurrence_count":1, "first_occurrence":21910730 } }