limitations perception-based indicators or approximations of access to finance by the usage of finance are often used …, disregarding firm-specific differences in the demand for external finance. Using unique firm-level survey data, which provide … for future survey design. -- access to finance ; usage of finance ; credit demand, perceived access to finance …

(SMEs) in the world. The paper provides empirical evidence on the drivers of SME access to finance for a large sample of …

We present a theoretical and empirical analysis of the links between the gender of an entrepreneur, access to finance … medium enterprises, possibly, because in large firms borrowing is a less essential source of finance. An important policy …

main predictions of the model, and find strong evidence for the working capital channel of external finance on firm …