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Small Business Credit Scoring and Credit Availability

Citations

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Cited by:

  1. Federica Cisilino & Francesco Licciardo, 2022. "Potential and Complexity of Implementing Financial Instruments in the Framework of Rural Development Policies in Italy—The Friuli Venezia Giulia Revolving Fund," Sustainability, MDPI, vol. 14(23), pages 1-21, December.
  2. Inderst, Roman & Mueller, Holger M., 2007. "A lender-based theory of collateral," Journal of Financial Economics, Elsevier, vol. 84(3), pages 826-859, June.
  3. Simon Cornée, 2014. "Soft Information and Default Prediction in Cooperative and Social Banks," Journal of Entrepreneurial and Organizational Diversity, European Research Institute on Cooperative and Social Enterprises, vol. 3(1), pages 89-103, June.
  4. Florian Heider & Roman Inderst, 2012. "Loan Prospecting," The Review of Financial Studies, Society for Financial Studies, vol. 25(8), pages 2381-2415.
  5. Lucia Dalla Pellegrina & Serena Frazzoni & Zeno Rotondi & Andrea Vezzulli, 2017. "Does ICT adoption improve access to credit for small enterprises?," Small Business Economics, Springer, vol. 48(3), pages 657-679, March.
  6. Liberti, José & Sturgess, Jason & Sutherland, Andrew, 2022. "How voluntary information sharing systems form: Evidence from a U.S. commercial credit bureau," Journal of Financial Economics, Elsevier, vol. 145(3), pages 827-849.
  7. Ben R. Craig & William E. Jackson & James B. Thomson, 2007. "On government intervention in the small-firm credit market and its effect on economic performance," Working Papers (Old Series) 0702, Federal Reserve Bank of Cleveland.
  8. Olawunmi Ifeoluwa Ajayi & Oluseye Samuel Ajuwon & Sylvanus Ikhide, 2021. "ACCESS TO FINANCE AND PERFORMANCE OF SERVICES SECTOR MSMEs IN NIGERIA," Oradea Journal of Business and Economics, University of Oradea, Faculty of Economics, vol. 6(2), pages 8-20, September.
  9. Hua Song & Lan Wang, 2013. "The impact of private and family firms’ relational strength on financing performance in clusters," Asia Pacific Journal of Management, Springer, vol. 30(3), pages 735-748, September.
  10. Ono, Arito & Hasumi, Ryo & Hirata, Hideaki, 2014. "Differentiated use of small business credit scoring by relationship lenders and transactional lenders: Evidence from firm–bank matched data in Japan," Journal of Banking & Finance, Elsevier, vol. 42(C), pages 371-380.
  11. Arráiz,Irani & Bruhn,Miriam & Stucchi,Rodolfo Mario, 2015. "Psychometrics as a tool to improve screening and access to credit," Policy Research Working Paper Series 7506, The World Bank.
  12. Julapa Jagtiani, 2008. "Understanding the effects of the merger boom on community banks," Economic Review, Federal Reserve Bank of Kansas City, vol. 93(Q II), pages 29-48.
  13. Bernard Franck & Nicolas Le Pape, 2020. "The limited liability effect: Implications for anticompetitive horizontal mergers," Journal of Public Economic Theory, Association for Public Economic Theory, vol. 22(6), pages 2082-2102, December.
  14. Ben R. Craig & William E. Jackson & James B. Thomson, 2007. "Does government intervention in the small-firm credit market help economic performance?," Policy Discussion Papers, Federal Reserve Bank of Cleveland, issue Aug.
  15. Min Bai & Samir Harith, 2023. "Measuring SMEs Risk – Evidence from Malaysia," SN Business & Economics, Springer, vol. 3(7), pages 1-32, July.
  16. Cornelli, Giulio & Frost, Jon & Gambacorta, Leonardo & Jagtiani, Julapa, 2024. "The impact of fintech lending on credit access for U.S. small businesses," Journal of Financial Stability, Elsevier, vol. 73(C).
  17. Pietro Alessandrini & Andrea F. Presbitero & Alberto Zazzaro, 2010. "Bank size or distance: what hampers innovation adoption by SMEs?," Journal of Economic Geography, Oxford University Press, vol. 10(6), pages 845-881, November.
  18. Ha Thu Nguyen, 2015. "How is credit scoring used to predict default in China?," Working Papers hal-04133309, HAL.
  19. Francesco Fasano & Tiziana Rocca, 2024. "Does the bank-firm human relationship still matter for SMEs? The game-changing role of digitalization," Small Business Economics, Springer, vol. 62(1), pages 159-178, January.
  20. Fergal McCann & Tara McIndoe-Calder, 2015. "Firm size, credit scoring accuracy and banks' production of soft information," Applied Economics, Taylor & Francis Journals, vol. 47(33), pages 3594-3611, July.
  21. Sun, Xiaoyan & Xie, Xuanli, 2024. "How does digital finance promote entrepreneurship? The roles of traditional financial institutions and BigTech firms," Pacific-Basin Finance Journal, Elsevier, vol. 85(C).
  22. Leslie E. Sekerka & Derek Stimel, 2024. "Ethics from the Start: Embracing Professional Moral Courage in Entrepreneurial Decision-Making," Business & Entrepreneurship Journal, SCIENPRESS Ltd, vol. 13(1), pages 1-1.
  23. Eric Tassel, 2023. "Crowdfunding investors, intermediaries and risky entrepreneurs," Small Business Economics, Springer, vol. 60(3), pages 1033-1050, March.
  24. Stefano Filomeni & Michele Modina & Elena Tabacco, 2023. "Trade credit and firm investments: empirical evidence from Italian cooperative banks," Review of Quantitative Finance and Accounting, Springer, vol. 60(3), pages 1099-1141, April.
  25. Simon Cornée, 2012. "The Relevance of Soft Information for Predicting Small Business Credit Default: Evidence from a Social Bank," Economics Working Paper Archive (University of Rennes & University of Caen) 201226, Center for Research in Economics and Management (CREM), University of Rennes, University of Caen and CNRS, revised Sep 2015.
  26. Tensie Steijvers & Wim Voordeckers & Koen Vanhoof, 2010. "Collateral, relationship lending and family firms," Small Business Economics, Springer, vol. 34(3), pages 243-259, April.
  27. Ferri, Giovanni & Murro, Pierluigi & Pini, Marco, 2020. "Credit rationing and the relationship between family businesses and banks in Italy," Global Finance Journal, Elsevier, vol. 43(C).
  28. Dimitra Michala & Theoharry Grammatikos & Sara Ferreira Filipe, 2013. "Forecasting distress in European SME portfolios," DEM Discussion Paper Series 13-2, Department of Economics at the University of Luxembourg.
  29. Enrico Beretta & Silvia Del Prete, 2007. "Bank consolidation and lending policies to small business: Differences across geographical areas," Temi di discussione (Economic working papers) 644, Bank of Italy, Economic Research and International Relations Area.
  30. Hirofumi Uchida & Gregory F. Udell & Nobuyoshi Yamori, 2006. "SME financing and the choice of lending technology," Discussion papers 06025, Research Institute of Economy, Trade and Industry (RIETI).
  31. K.K. Jain & P.K. Gupta & Sanjiv Mittal, 2011. "Logistic Predictive Model for SMEs Financing in India," Vision, , vol. 15(4), pages 331-346, December.
  32. Berger, Allen N. & Udell, Gregory F., 2005. "A more complete conceptual framework for financing of small and medium enterprises," Policy Research Working Paper Series 3795, The World Bank.
  33. Farnè, Matteo & Vouldis, Angelos, 2024. "Do retail-oriented banks have less non-performing loans?," The Journal of Economic Asymmetries, Elsevier, vol. 29(C).
  34. Dimitra Michala & Theoharry Grammatikos & Sara Ferreira Filipe, 2013. "Forecasting distress in European SME portfolios," LSF Research Working Paper Series 13-2, Luxembourg School of Finance, University of Luxembourg.
  35. Fasano, Francesco & Cappa, Francesco, 2022. "How do banking fintech services affect SME debt?," Journal of Economics and Business, Elsevier, vol. 121(C).
  36. Özgür Arslan & Mehmet Baha Karan, 2009. "Credit risks and internationalization of SMEs," Journal of Business Economics and Management, Taylor & Francis Journals, vol. 10(4), pages 361-368, September.
  37. Marek Szczepaniec, 2006. "Finansowanie inwestycji w małych i średnich przedsiębiorstwach," Gospodarka Narodowa. The Polish Journal of Economics, Warsaw School of Economics, issue 3, pages 59-70.
  38. Ana Paula Matias Gama & Helena Susana Amaral Geraldes, 2012. "Credit risk assessment and the impact of the New Basel Capital Accord on small and medium‐sized enterprises," Management Research Review, Emerald Group Publishing Limited, vol. 35(8), pages 727-749, July.
  39. Flavia-Diana NISTOR, 2011. "WHICH ARE THE FACTORS INFLUENCING FINANCING DECISIONS IN SMEs?," Proceedings of the International Conference Investments and Economic Recovery, Faculty of Management, Academy of Economic Studies, Bucharest, Romania, vol. 10(1), pages 32-36, December.
  40. Lin, Ying & Yan, Xiaohan & Yang, Xiuyun, 2023. "Digital finance and enterprise investment efficiency in China," International Review of Financial Analysis, Elsevier, vol. 90(C).
  41. Kgoroeadira, Reabetswe & Burke, Andrew & Di Pietro, Francesca & van Stel, André, 2023. "Determinants of firms’ default on unsecured loans in the P2P crowdfunding market," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 89(C).
  42. Alicia Robb & David T. Robinson, 2018. "Testing for racial bias in business credit scores," Small Business Economics, Springer, vol. 50(3), pages 429-443, March.
  43. Allen N. Berger & Adrian M. Cowan & W. Scott Frame, 2009. "The surprising use of credit scoring in small business lending by community banks and the attendant effects on credit availability and risk," FRB Atlanta Working Paper 2009-09, Federal Reserve Bank of Atlanta.
  44. repec:ecb:ecbdps:202010 is not listed on IDEAS
  45. Chen, Jie & Mishra, Tapas & Song, Wei & Zhang, Qingjing & Zhang, Zhuang, 2024. "The impact of bank mergers on corporate tax aggressiveness," Journal of Corporate Finance, Elsevier, vol. 84(C).
  46. Diana Bonfim & Gil Nogueira & Steven Ongena, 2016. "Sorry, We're Closed: Loan Conditions When Bank Branches Close and Firms Transfer to Another Bank," Working Papers w201607, Banco de Portugal, Economics and Research Department.
  47. Kallandranis, Christos & Anastasiou, Dimitrios & Drakos, Konstantinos, 2023. "Credit rationing prevalence for Eurozone firms," Journal of Business Research, Elsevier, vol. 158(C).
  48. Novita Puspasari & Eliada Herwiyanti, 2021. "SME’S Accounting Information in the Eyes of Bank Credit Analyst: Exploration with ZMET Method," Academic Journal of Interdisciplinary Studies, Richtmann Publishing Ltd, vol. 10, November.
  49. James R. Barth & Glenn Yago & Betsy Zeidman, 2006. "Stumbling blocks to entrepreneurship in low-and-moderate income communities," Proceedings: Community Affairs Dept. Conferences, Federal Reserve Bank of Kansas City, issue Jul, pages 91-155.
  50. Cristina Bernini & Paola Brighi, 2011. "Relationship Lending, Distance and Efficiency in a Heterogeneous Banking System," Working Paper series 41_11, Rimini Centre for Economic Analysis.
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