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What Determines the Access to Credit by SMEs in Argentina?

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  • Ricardo N. Bebczuk

Abstract

This work discusses the determinants of the access to credit for a sample of about 140 Argentine small and medium firms, based on a unique database gathered by the Union Industrial Argentina in 1999. Among other findings, the evidence shows that the acceptance of overdraft lines at high interest rates and very short maturity is an important factor regarding the probability of getting a bank loan, while the availability of collateral does not seem to affect such probability. All in all, the results appear to be consistent with a risk taking behavior by banks in their loan policy toward this set of firms, an observation seemingly at odds with the conservative strategy that presumably banks follow.

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File URL: http://www.depeco.econo.unlp.edu.ar/doctrab/doc48.pdf
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Bibliographic Info

Paper provided by Departamento de Economía, Facultad de Ciencias Económicas, Universidad Nacional de La Plata in its series Department of Economics, Working Papers with number 048.

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Length: 16 pages
Date of creation: Feb 2004
Date of revision:
Handle: RePEc:lap:wpaper:048

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Cited by:
  1. Ricardo Bebczuk, 2009. "SME Access to Credit in Guatemala and Nicaragua: Challenging Conventional Wisdom with New Evidence," CEDLAS, Working Papers, CEDLAS, Universidad Nacional de La Plata 0080, CEDLAS, Universidad Nacional de La Plata.
  2. Hamada, Miki, 2008. "Bank Borrowing and Financing of Medium-sized Firms in Indonesia," IDE Discussion Papers, Institute of Developing Economies, Japan External Trade Organization(JETRO) 144, Institute of Developing Economies, Japan External Trade Organization(JETRO).
  3. Pedro Elosegui & Paula Español & Demian Panigo & Emilio Blanco, 2007. "The Asymmetrical Impact of Restrictions to Financing in Argentina. Comparison by Sector, Size and Origin of Ownership (1995-2003)," BCRA Working Paper Series 200724, Central Bank of Argentina, Economic Research Department.
  4. Santos, Gisler Andre & Sheng, Hsia Hua & Bortoluzzo, Adriana, 2012. "The Use of Trade Credit by Firms: Evidence for Latin America," Insper Working Papers, Insper Working Paper, Insper Instituto de Ensino e Pesquisa wpe_277, Insper Working Paper, Insper Instituto de Ensino e Pesquisa.
  5. Brick, Ivan E. & Palia, Darius, 2007. "Evidence of jointness in the terms of relationship lending," Journal of Financial Intermediation, Elsevier, Elsevier, vol. 16(3), pages 452-476, July.
  6. Ricardo N. Bebczuk, 2008. "Financial Inclusion in Latin America and the Caribbean: Review and Lessons," CEDLAS, Working Papers, CEDLAS, Universidad Nacional de La Plata 0068, CEDLAS, Universidad Nacional de La Plata.
  7. Annie bellier & Wafa Sayeh & Stéphanie Serve, 2012. "What lies behind credit rationing? A survey of the literature," THEMA Working Papers, THEMA (THéorie Economique, Modélisation et Applications), Université de Cergy-Pontoise 2012-39, THEMA (THéorie Economique, Modélisation et Applications), Université de Cergy-Pontoise.

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