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The Geographies of Access to Enterprise Finance: The Case of the West Midlands, UK

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  • Lindsey Appleyard

Abstract

Appleyard L. The geographies of access to enterprise finance: the case of the West Midlands, UK, Regional Studies . Whilst there is a long history of credit rationing to small and medium-sized enterprises (SMEs) in the UK, the financial crisis has seen banks retreat further from lending to viable SMEs due to a reassessment of risk and lack of available capital. In so doing, the credit crunch is thought to be creating new geographies of financial exclusion. This paper explores the financial inclusion of enterprise through community development finance institutions (CDFIs) which provide loan finance to firms at the commercial margins in the West Midlands, UK. The paper concludes that CDFIs could partially address the financial exclusion of enterprise as an additional, alternative source of finance to that of mainstream banks.

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  • Lindsey Appleyard, 2013. "The Geographies of Access to Enterprise Finance: The Case of the West Midlands, UK," Regional Studies, Taylor & Francis Journals, vol. 47(6), pages 868-879, June.
    • Handle: RePEc:taf:regstd:v:47:y:2013:i:6:p:868-879
    DOI: 10.1080/00343404.2012.748979
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    1. Oecd, 2002. "Access for Business," OECD Digital Economy Papers 67, OECD Publishing.
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    1. Degryse, Hans & Matthews, Kent & Zhao, Tianshu, 2018. "SMEs and access to bank credit: Evidence on the regional propagation of the financial crisis in the UK," Journal of Financial Stability, Elsevier, vol. 38(C), pages 53-70.
    2. David Bailey & Lisa de Propris, 2014. "Editorial: Recession, Recovery and Resilience?," Regional Studies, Taylor & Francis Journals, vol. 48(11), pages 1757-1760, November.
    3. Ibrahim, Fatma & McHugh, Neil & Biosca, Olga & Baker, Rachel & Laxton, Tim & Donaldson, Cam, 2021. "Microcredit as a public health initiative? Exploring mechanisms and pathways to health and wellbeing," Social Science & Medicine, Elsevier, vol. 270(C).
    4. Martin Romero Castillo, 2018. "Financing Of The Mipymes For The Development And Competitiveness In The Region Guanajuato, Mexico Financiamiento De Las Mipymes Para El Desarrollo Y Competitividad En La Region Guanajuato, Mexico," Revista Internacional Administracion & Finanzas, The Institute for Business and Finance Research, vol. 11(2), pages 89-98.

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