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Access to Credit: Microenterprises in Turkey

Author

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  • Alper Duman

    (Department of Economics, Izmir University of Economics)

Abstract

Access to external nance for small and medium enterprises is vital for survival and growth of such rms. In this paper we have analyzed the determinants of access to credit in microenterprises of Turkey. We use a unique dataset covering a large sample of microenterprises. We nd that size and signals of wealth positively a ect the likelihood of getting a formal credit.

Suggested Citation

  • Alper Duman, 2009. "Access to Credit: Microenterprises in Turkey," Working Papers 0905, Izmir University of Economics.
    • Handle: RePEc:izm:wpaper:0905
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    References listed on IDEAS

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    1. Brown, J David & Earle, John S & Lup, Dana, 2005. "What Makes Small Firms Grow? Finance, Human Capital, Technical Assistance, and the Business Environment in Romania," Economic Development and Cultural Change, University of Chicago Press, vol. 54(1), pages 33-70, October.
    2. Abhijit V. Banerjee & Esther Duflo, 2014. "Do Firms Want to Borrow More? Testing Credit Constraints Using a Directed Lending Program," The Review of Economic Studies, Review of Economic Studies Ltd, vol. 81(2), pages 572-607.
    3. Signe-Mary McKernan, 2002. "The Impact Of Microcredit Programs On Self-Employment Profits: Do Noncredit Program Aspects Matter?," The Review of Economics and Statistics, MIT Press, vol. 84(1), pages 93-115, February.
    4. Zeller, Manfred, 1994. "Determinants of credit rationing: A study of informal lenders and formal credit groups in Madagascar," World Development, Elsevier, vol. 22(12), pages 1895-1907, December.
    5. Jonathan Morduch, 1999. "The Microfinance Promise," Journal of Economic Literature, American Economic Association, vol. 37(4), pages 1569-1614, December.
    6. Zeller, Manfred, 1994. "Determinants of credit rationing: a study of informal lenders and formal credit groups in Madagascar," FCND discussion papers 2, International Food Policy Research Institute (IFPRI).
    7. James J. Heckman, 2000. "Causal Parameters and Policy Analysis in Economics: A Twentieth Century Retrospective," The Quarterly Journal of Economics, President and Fellows of Harvard College, vol. 115(1), pages 45-97.
    8. Tullio Jappelli, 1990. "Who is Credit Constrained in the U. S. Economy?," The Quarterly Journal of Economics, President and Fellows of Harvard College, vol. 105(1), pages 219-234.
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    More about this item

    Keywords

    Credit Markets; Informal Firms;

    JEL classification:

    • D21 - Microeconomics - - Production and Organizations - - - Firm Behavior: Theory
    • O17 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Formal and Informal Sectors; Shadow Economy; Institutional Arrangements

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