Credit Rationing in Small Scale Enterprises: Special Microenterprise Programs in Ecuador
MetadataShow full item record
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. 1924
Small scale enterprises receive several forms of aid, but many are denied access to formal loans. A demand and supply model is estimated to analyze the factors lenders use to ration credit in special microenterprise programs. The results reveal that suppliers do not discriminate against less profitable enterprises and entrepreneurs who have not completed their high school education; however, these entrepreneurs have a smaller demand for external finance from the microenterprise programs than more profitable enterprises and entrepreneurs who have graduated from high school.
Rights:This item may be protected by copyright, and is made available here for research and educational purposes. The user is responsible for making a final determination of copyright status. If copyright protection applies, permission must be obtained from the copyright holder to reuse, publish, or reproduce the object beyond the bounds of Fair Use or other exemptions to the law.
Items in Knowledge Bank are protected by copyright, with all rights reserved, unless otherwise indicated.