The authors propose a more complete conceptual framework for analysis of credit availability for small and medium … financial structures affect credit availability. They emphasize a causal chain from policy to financial structures which affect … on SME credit availability. Financial structures include the presence of different financial institution types and the …

The literature has documented a positive relationship between the use of credit scoring for small business loans and … small business credit availability, broadly defined. However, this literature is hampered by the fact that all of the … deficiencies in the extant literature by employing data from a new survey on the use of credit scoring in small business lending …