About: Cash flow vs. collateral-based credit: performance of micro, small and medium-sized firms in transition economies

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About: Cash flow vs. collateral-based credit: performance of micro, small and medium-sized firms in transition economies Goto Sponge NotDistinct Permalink

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Description	We study factors affecting micro, small and medium-sized enterprises (MSMEs) receiving loans and the effect of these loans on MSMEs performance. We study two types of loans a new type based on cash flows and a traditional-style loan based on collateral. We use unique surveys of MSMEs from Bulgaria, Georgia, Russia and Ukraine. We find that MSMEs receiving a cash flow or collateral loan in the past are more likely to receive the same type of loan (and larger sized) in the future and that cash flow loans may be the preferred form of credit. Both types of loans are related positively to most performance indicators, enabling the MSMEs for instance to be more profitable and expand production. The cash flow loans also appear to be particularly attractive credit delivery schemes for micro and small enterprises. Finally, the effects of the smallest loans are often negative, suggesting that the minimum loan size is an important policy issue. We study factors affecting micro, small and medium-sized enterprises (MSMEs) receiving loans and the effect of these loans on MSMEs performance. We study two types of loans a new type based on cash flows and a traditional-style loan based on collateral. We use unique surveys of MSMEs from Bulgaria, Georgia, Russia and Ukraine. We find that MSMEs receiving a cash flow or collateral loan in the past are more likely to receive the same type of loan (and larger sized) in the future and that cash flow loans may be the preferred form of credit. Both types of loans are related positively to most performance indicators, enabling the MSMEs for instance to be more profitable and expand production. The cash flow loans also appear to be particularly attractive credit delivery schemes for micro and small enterprises. Finally, the effects of the smallest loans are often negative, suggesting that the minimum loan size is an important policy issue. (en)
Title	Cash flow vs. collateral-based credit: performance of micro, small and medium-sized firms in transition economies Cash flow vs. collateral-based credit: performance of micro, small and medium-sized firms in transition economies (en)
skos:prefLabel	Cash flow vs. collateral-based credit: performance of micro, small and medium-sized firms in transition economies Cash flow vs. collateral-based credit: performance of micro, small and medium-sized firms in transition economies (en)
skos:notation	RIV/00216208:11640/13:00391848!RIV14-GA0-11640___
http://linked.open...avai/predkladatel	Centrum pro ekonomický výzkum a doktorská studia
http://linked.open...avai/riv/aktivita	I P
http://linked.open...avai/riv/aktivity	I, P(GAP402/10/2130)
http://linked.open...iv/cisloPeriodika	2
http://linked.open...vai/riv/dodaniDat	2014
http://linked.open...aciTvurceVysledku	Švejnar, Jan
http://linked.open.../riv/druhVysledku	J - Článek v odborném periodiku
http://linked.open...iv/duvernostUdaju	S - Úplné a pravdivé údaje nepodléhající ochraně podle zvláštních právních předpisů
http://linked.open...titaPredkladatele	Univerzita Karlova v Praze / Centrum pro ekonomický výzkum a doktorská studia
http://linked.open...dnocenehoVysledku	64352
http://linked.open...ai/riv/idVysledku	RIV/00216208:11640/13:00391848
http://linked.open...riv/jazykVysledku	eng - angličtina
http://linked.open.../riv/klicovaSlova	micro, small and medium-sized enterprises; bank credit; firm performance (en)
http://linked.open.../riv/klicoveSlovo	firm performance small and medium-sized enterprises micro bank credit
http://linked.open...odStatuVydavatele	GB - Spojené království Velké Británie a Severního Irska
http://linked.open...ontrolniKodProRIV	[8A10D12BD96B]
http://linked.open...i/riv/nazevZdroje	Economics of Transition
http://linked.open...in/vavai/riv/obor	AH
http://linked.open...ichTvurcuVysledku	1 (xsd:int)
http://linked.open...cetTvurcuVysledku	3 (xsd:int)
http://linked.open...vavai/riv/projekt	Globalization and Competitiveness of Firms and Workers: Comparing Advanced and Emerging Markets Economies
http://linked.open...UplatneniVysledku	2013
http://linked.open...v/svazekPeriodika	21
http://linked.open...iv/tvurceVysledku	Švejnar, Jan Cassano, F. Joeveer, K.
http://linked.open...ain/vavai/riv/wos	000316320000003
issn	0967-0750
number of pages	32 (xsd:int)
http://bibframe.org/vocab/doi	10.1016/j.jimonfin.2013.01.001
http://localhost/t...ganizacniJednotka	11640

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