regulators use to judge whether individual institutions are meeting the credit and service needs of low- and moderate-income (LMI …

stable finance. One efficient way to promote SME financing is through credit guarantee schemes, where the government … guarantees a portion (ratio) of a loan provided by a bank to an SME. This research provides a theoretical model and an empirical … analysis of factors that determine optimal credit guarantee ratio. The ratio should be able to fulfill the government's goal of …

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 …

bank and a crowdlending platform and show that the entry of crowdlending can induce a switching effect as well as a credit …