Credit Rationing in Small Scale Enterprises: Special Microenterprise Programs in Ecuador
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Date
1991-02
Journal Title
Journal ISSN
Volume Title
Publisher
Ohio State University. Department of Agricultural, Environmental, and Development Economics
Abstract
Small scale enterprises receive several forms of aid, but many are denied access to loans from special microenterprise programs. A demand and supply model is estimated to analyze the factors lenders use to ration credit. Results reveal that suppliers favor long-term loans, profitable enterprises, and highly educated entrepreneurs.