Credit rationing in small‐scale enterprises: Special microenterprise programmes in ecuador
通过估计需求与供给模型，分析厄瓜多尔特殊微型企业项目中贷款机构配给信贷的因素，发现供应商不歧视低利润或未完成高中学历的企业家，但这些企业家对项目外部融资的需求较小。
Small‐scale enterprises receive several forms of aid, but many are denied access to formal loans. A demand and supply model is estimated to analyse the factors lenders use to ration credit in special microenterprise programmes. The results reveal that suppliers do not discriminate against less profitable enterprises and entrepreneurs who have not completed their high school education; however, these entrepreneurs have a smaller demand for external finance from the microenterprise programmes than more profitable enterprises and entrepreneurs who have graduated from high school.