study was to examine the farmers’ access to credit: does collateral matter or cash flow matter?—evidence from Sindh province … level, farming experience, farm size, income, and availability of collateral have positive effect on farmers’ access to …

lending, borrower quality and collateral as a key variable in loan contract design. We used a unique data set based on the … borrower quality and the incidence or degree of collateralization. Our results indicate that the use of collateral in loan … housebanks do require more collateral from their debtors, thereby increasing the borrower's lock-in and strengthening the banks …