Credit Rationing in Rural Financial Markets: A Portuguese Study Case
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Publisher:Ohio State University. Department of Agricultural, Environmental, and Development Economics
Series/Report no.:Ohio State University. Department of Agricultural Economics and Rural Sociology. ESO (Economics and Sociology Occasional Paper). No. 1732
This paper analyzes appropriate procedures for studying how the credit rationing process takes place in rural financial markets. The paper demonstrates that in order to analyze credit discrimination one should have a well-defined demand and supply model. This model should be estimated using data on both loans granted and loans rejected. The criteria by which credit applications were rejected or accepted should also be explicitly incorporated into the analysis.
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