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Access to credit and its determinants: A comparison of survey-based measures

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  • Hainz, Christa
  • Nabokin, Tatjana

Abstract

Measuring access to finance represents an important challenge in empirical studies. Due to data limitations, perception-based indicators or the usage of finance are often used as approximations of access to finance. However, these approximations disregard firm-specific differences in the demand for finance. We derive a direct measure of access to credit from firm-level survey data and explicitly model credit demand. We study the determinants of access to credit and disentangle, in contrast to other measures, their effects on demand for and access to credit. We find that the usage of credit is not a sufficient approximation, while perception-based indicators are surprisingly precise.

Suggested Citation

  • Hainz, Christa & Nabokin, Tatjana, 2019. "Access to credit and its determinants: A comparison of survey-based measures," Munich Reprints in Economics 78267, University of Munich, Department of Economics.
    • Handle: RePEc:lmu:muenar:78267
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    Cited by:

    1. Francis Osei‐Tutu & Laurent Weill, 2021. "Sex, language and financial inclusion," Economics of Transition and Institutional Change, John Wiley & Sons, vol. 29(3), pages 369-403, July.
    2. Thang Bach & Charles Harvie & Thanh Le, 2021. "How credit constraints affect small and medium enterprises' strategic employment decisions and employees' labour outcomes: Evidence from Vietnam1," Economics of Transition and Institutional Change, John Wiley & Sons, vol. 29(2), pages 319-341, April.
    3. repec:zbw:bofitp:2020_009 is not listed on IDEAS
    4. Francis Osei‐Tutu & Laurent Weill, 2021. "Sex, language and financial inclusion," Economics of Transition and Institutional Change, John Wiley & Sons, vol. 29(3), pages 369-403, July.
    5. Thi Thu Tra Pham & Thai Vu Hong Nguyen & Son Kien Nguyen & Hieu Thi Hoang Nguyen, 2023. "Does planned innovation promote financial access? Evidence from Vietnamese SMEs," Eurasian Business Review, Springer;Eurasia Business and Economics Society, vol. 13(2), pages 281-307, June.

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