; small loans ; consumer credit ; usury laws … lenders who could make small loans at interest rates exceeding those allowed for banks under the normal usury laws. About two …

The question of leasing credit as a substitute or complement of a banking loan has still not been resolved in the … characteristics of firms using leasing credit and on the other hand, to better understand the relationship between leasing and credit … rationing. Firstly, our results suggest that SME use leasing all the more the leasing so when they are young, leveraged, less …