set on innovation for a large number of Italian firms over the 1990's. There is evidence that banking development affects … the probability of process innovation, particularly for small firms and for firms in high(er) tech sectors and in sectors … more dependent upon external finance. The evidence for product innovation is weaker. There is also some evidence that …

of start-ups in which firms' sales and profits depend on their productivity and access to credit. However, due to the … lack of collateral assets such as land, female entrepreneurs have more constrained access to credit than do men. Testing … innovation where access to short term loans for working capital seems to be key. …

stochastic shocks imply that investment in radical innovation may very often be too time consuming and/or expensive to remain …We refine modelling of the radical innovation decision in this paper by extending real option theory to include non …

set on innovation for a large number of Italian firms over the 1990’s. There is evidence that banking development affects … the probability of process innovation, particularly for small firms and for firms in high(er) tech sectors and in sectors … more dependent upon external finance. The evidence for product innovation is weaker. There is also some evidence that …

stochastic shocks imply that investment in radical innovation may very often be too time consuming and/or expensive to remain …We refine modelling of the radical innovation decision in this paper by extending real option theory to include non …

use of credit, at the individual and household level using representative pooled cross-section data drawn from the UK … Expenditure and Food Surveys (EFS), 2001 to 2007. Gambling and the use of credit are shown to be positively correlated at the … between gambling and the use of credit is remarkably stable across household income. In addition to our household level …