businesses, they are likely to face credit rationing in financial markets. If true then policies that promote lending to small …

2014. We explore the dynamic adjustment process following this credit supply shock. In counties where the largest banks had … a high market share, the aggregate flow of small business credit fell, interest rates rose, fewer businesses expanded …, unemployment rose, and wages fell from 2006 to 2010. While the flow of credit recovered after 2010 as other lenders slowly filled …

sector; the impacts of access to credit and other financial services; the impacts of business training; barriers to hiring …

-Shwari in Kenya. While 34% of those eligible for a loan take it, the loan does not substitute for other credit. The loans … conclude that while digital loans improve financial access and resilience, they are not a panacea for greater credit market …

Do the stringent formal sector borrowing requirements common in many developing countries restrict credit access …, technology adoption, and welfare? When a Kenyan dairy's savings and credit cooperative randomly offered some farmers the …

We evaluate the impact of the credit conditions facing corporations on their emissions of toxic air pollutants … that positive shocks to credit conditions reduce corporate pollution …