-pected to reduce agency costs, perceived credit risk and thus the request for personal collateral. Trustworthiness is associated …' assessment of the trustworthiness of owner/managers is negatively associated with the personal collateral demanded by banks …

-pected to reduce agency costs, perceived credit risk and thus the request for personal collateral. Trustworthiness is associated …’ assessment of the trustworthiness of owner/managers is negatively associated with the personal collateral demanded by banks …

-pected to reduce agency costs, perceived credit risk and thus the request for personal collateral. Trustworthiness is associated …’ assessment of the trustworthiness of owner/managers is negatively associated with the personal collateral demanded by banks …