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This paper assesses whether there is a gender gap in the use of financial services by businesses and individuals in Sub-Saharan Africa. The authors do not find evidence of gender discrimination or lower inherent demand for financial services by enterprises with female ownership participation or...
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to SMEs over the business cycle. For 21 countries we link the lending techniques that banks use in the direct vicinity of … firms to these firms' credit constraints at two contrasting points of the business cycle. We show that relationship lending …
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