Purpose: One of the hallmarks of strategizing is having a clearly articulated vision and mission for the organization. It has been suggested that this provides a compass bearing for the organization's strategy, helps in motivation, commitment and retention of employees, serves as a guide to...

1 Summary -- 2 Background and Literature Review -- 2.1 The Availability Doctrine -- 2.2 The Early Theory -- 2.3 Information-Based Theories -- 2.4 Summary of Credit Rationing Theory -- 3 A Theory of Credit Rationing -- 3.1 A Model of Bank Operation and Loan Supply -- 3.2 A Model of Borrower...