of these enterprises is their difficulty in accessing finance from banks and other financial institutions. The Credit … is a credit guarantee program initiated by the Bangko Sentral ng Pilipinas that enables enterprises and cooperatives to … gain easier access to loans from banks without providing collateral. The CSF pools contributions from cooperatives and …

In this paper we analyze the access to credit of innovative firms on the price and non-price dimensions of bank lending … overdrawing. Our analysis reveals that banks trade off higher interest rates and lower collateral requirements for firms involved … in innovative processes. Further, innovative firms have a lower probability of being credit rationed than their non …

We analyze the causal effect of the credit supply shock to banks induced by interbank market disruptions in the recent …