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Company self-rationing: The case of the Souss-Massa region

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  • Aicha Amrhar
  • Lahsen Oubdi

Abstract

Using data from a survey for the companies of the Region Souss-Massa (RSM), we study the determiners of credit self-rationing. Our definition of discouraged companies is for businesses if they do not apply for bank credit when they would have asked for their financial position to be illustrative. We use logistic regression and we study the characteristics of the company and those of the administrator who can affect this type of credit rationing. We notice that for self-rationing, "the age of the company", "the rate of debts", "the experience of the administrator" and " the academic level of the administrator" establish the main determiners for the discouragement. JEL classification numbers: E51Keywords: credit, self-rationing, determiners.

Suggested Citation

  • Aicha Amrhar & Lahsen Oubdi, 2019. "Company self-rationing: The case of the Souss-Massa region," Journal of Applied Finance & Banking, SCIENPRESS Ltd, vol. 9(6), pages 1-9.
    • Handle: RePEc:spt:apfiba:v:9:y:2019:i:6:f:9_6_9
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    References listed on IDEAS

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    1. Szabó, Zsolt, 2019. "Elbátortalanodott hiteligénylők a vállalati szektorban [Discouraged borrowers in the corporate sector]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(11), pages 1145-1186.

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