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acessibilidade

http://hdl.handle.net/10071/12896
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acessibilidade
DC FieldValueLanguage
dc.contributor.authorDuarte, F. D.-
dc.contributor.authorGama, A. P. M.-
dc.contributor.authorEsperança, J. P.-
dc.date.accessioned2017-04-11T11:57:54Z-
dc.date.available2017-04-11T11:57:54Z-
dc.date.issued2017-
dc.identifier.issn0275-5319-
dc.identifier.urihttp://hdl.handle.net/10071/12896-
dc.description.abstractUsing a database of banking credit approvals for small and medium-sized enterprises (SMEs) operating in less-developed countries throughout Eastern Europe and Central Asia, this paper extends empirical evidence on the determinants of the incidence and the levels of business and personal collateral, reporting first-hand results regarding the impact of the recently reformed credit environment on collateral requirements. The findings endorse the importance of producing and sharing private information between lenders to reduce informational asymmetries and, consequently, the need to provide collateral to receive a loan. The results also suggest that market concentration increases “lazy” behavior on behalf of banks in the form of asking for collateral not to mitigate observable risk but rather to reduce screening efforts.eng
dc.language.isoeng-
dc.publisherElsevier Science BV-
dc.relationinfo:eu-repo/grantAgreement/FCT/5876/147441/PT-
dc.rightsembargoedAccesspor
dc.subjectSMEs lendingeng
dc.subjectPersonal collateraleng
dc.subjectBusiness collateraleng
dc.subjectLevel of personal and business collateraleng
dc.subjectLess-developed countrieseng
dc.titleCollateral-based in SME lending: the role of business collateral and personal collateral in less-developed countrieseng
dc.typearticle-
dc.pagination406 - 422-
dc.publicationstatusPublicadopor
dc.peerreviewedyes-
dc.journalResearch in International Business and Finance-
dc.distributionInternacionalpor
dc.volume39-
degois.publication.firstPage406-
degois.publication.lastPage422-
degois.publication.titleCollateral-based in SME lending: the role of business collateral and personal collateral in less-developed countrieseng
dc.date.updated2017-04-11T12:53:58Z-
dc.description.versioninfo:eu-repo/semantics/publishedVersion-
dc.identifier.doi10.1016/j.ribaf.2016.07.005-
dc.subject.fosDomínio/Área Científica::Ciências Sociais::Economia e Gestãopor
iscte.identifier.cienciahttps://ciencia.iscte-iul.pt/id/ci-pub-31751-
iscte.alternateIdentifiers.wosWOS:000396461700029-
iscte.alternateIdentifiers.scopus2-s2.0-84988486112-
Appears in Collections:BRU-RI - Artigos em revistas científicas internacionais com arbitragem científica

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