Credit granting to small firms: a Brazilian case

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dc.contributor.authorZambaldi, Felipe
dc.contributor.authorAranha, Francisco
dc.contributor.authorHEDIBERT FREITAS LOPES
dc.contributor.authorPoliti. Ricardo
dc.coverage.cidadeNão informadopt_BR
dc.coverage.paisNão Informadopt_BR
dc.creatorZambaldi, Felipe
dc.creatorAranha, Francisco
dc.creatorPoliti. Ricardo
dc.date.accessioned2022-10-04T20:36:24Z
dc.date.available2022-10-04T20:36:24Z
dc.date.issued2009
dc.description.otherTransaction costs limit the supply of credit to small and medium-sized firms (SMEs). From a sample of 65,535 SME credit proposals submitted to a large Brazilian bank between January 2004 and September 2006, this research analyzes credit granting decisions. Results suggest that small firms face credit rationing and that low risk credit contracts with liquid collateral are their primary source of credit. Also, the bank captures private information through its lending relationships with borrowers, which affects its credit granting decisions. The findings reveal that the bank under study faces difficulties in expanding the supply of credit to small firms mainly because of cost, collateral-dependency and constraints due to asymmetric information.pt_BR
dc.format.extent309-315pt_BR
dc.format.mediumDigitalpt_BR
dc.identifier.doihttps://doi.org/10.1016/j.jbusres.2009.11.018pt_BR
dc.identifier.issue3pt_BR
dc.identifier.urihttps://repositorio.insper.edu.br/handle/11224/4132
dc.identifier.volume64pt_BR
dc.language.isoInglêspt_BR
dc.publisherElsevierpt_BR
dc.relation.ispartofJournal of Business Researchpt_BR
dc.rights.licenseO INSPER E ESTE REPOSITÓRIO NÃO DETÊM OS DIREITOS DE USO E REPRODUÇÃO DOS CONTEÚDOS AQUI REGISTRADOS. É RESPONSABILIDADE DOS USUÁRIOS INDIVIDUAIS VERIFICAR OS USOS PERMITIDOS NA FONTE ORIGINAL, RESPEITANDO-SE OS DIREITOS DE AUTOR OU EDITOR.pt_BR
dc.subject.keywordsCredit rationingpt_BR
dc.subject.keywordsSmall and medium-sized enterprises (SMEs)pt_BR
dc.subject.keywordsSmall business financingpt_BR
dc.subject.keywordsAsymmetric informationpt_BR
dc.subject.keywordsTransaction costspt_BR
dc.titleCredit granting to small firms: a Brazilian casept_BR
dc.typejournal article
dspace.entity.typePublication
local.identifier.sourceUrihttps://www.sciencedirect.com/science/article/pii/S0148296309003063?via%3Dihub
local.subject.cnpqCiências Sociais Aplicadaspt_BR
local.typeArtigo Científicopt_BR
relation.isAuthorOfPublication41f844cb-0e5a-4ef1-bb19-5ab1cec8e2ca
relation.isAuthorOfPublication.latestForDiscovery41f844cb-0e5a-4ef1-bb19-5ab1cec8e2ca
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