information on a firmś credit demand, we develop a direct measurement for access to credit and provide for the first time an … empirical evaluation of these methods. We find that information on the usage of credit is not sufficient to identify financially … for future survey design. -- access to finance ; usage of finance ; credit demand, perceived access to finance …

bank and a crowdlending platform and show that the entry of crowdlending can induce a switching effect as well as a credit …

Small businesses (SMEs) depend on banks for credit. We show that the severity of the Eurozone crisis was worse in …

Most domestic and international firm-to-firm transactions rely on trade credit, where sellers grant buyers time to pay … about trade credit use: trade credit use increases with firm-to-firm relationship length, an effect that is stronger for … develops a model featuring enforcement frictions, learning, and a financing cost advantage of trade credit that can rationalize …