In this paper we analyze the decision of small and micro firms to formalize, i.e. to obtain business and other licenses in rural Indonesia. We use the rural investment climate survey (RICS) that consists of non-farm rural enterprises, most of them microenterprises, and analyze the effect of...

Cover -- Half Title -- Title Page -- Coryright Page -- Table of Contents -- List of Tables and Figures -- Acknowledgments -- List of Acronyms -- 1. Introduction -- 2. The Visible Hand of Government in U.S. Credit Markets -- 3. Discrimination, Redlining, and Financial Restructuring in Business...