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dc.titleCredit Rationing and Size-Contingent Eligibility Criteria
dc.contributor.authorTámola, Alejandro
dc.contributor.authorJoachín, Arturo
dc.contributor.authorFernández Díez, María Carmen
dc.contributor.orgunitConnectivity, Markets and Finance Division
dc.contributor.orgunitInstitutions for Development Sector
dc.coverageLatin America
dc.coverageThe Caribbean
dc.date.available2026-03-23T00:03:00
dc.date.issue2026-03-23T00:03:00
dc.description.abstractPublic interventions in credit markets frequently prioritize micro, small, and medium enterprises, often excluding large firms based on the explicit or implicit assumption that they do not face meaningful credit constraints. Using new empirical evidence, this paper challenges that premise, showing that large firms also experience significant financing frictions and are not fully insulated from credit rationing. These findings call into question the widespread practice of using firm size as a proxy for firms' credit needs in the design of public credit support programs. A reassessment of size-based eligibility criteria is warranted to ensure that policies more accurately target firms facing genuine financial constraints, regardless of scale.
dc.format.extent37
dc.identifier.doihttp://dx.doi.org/10.18235/0013987
dc.identifier.urlhttps://publications.iadb.org/publications/english/document/Credit-Rationing-and-Size-Contingent-Eligibility-Criteria.pdf
dc.language.isoen
dc.publisherInter-American Development Bank
dc.subjectSmall Business Financing
dc.subjectCredit Constraint
dc.subjectFinancial Policy
dc.subjectCredit Market
dc.subjectCredit Access
dc.subjectLabor
dc.subjectRegulation
dc.subjectTaxation
dc.subjectLabor Force
dc.subject.jelcodeG20 - Financial Institutions and Services: General
dc.subject.keywordsMSMES;financing constraints;eligibility criteria;financial policy;credit access
dc.typeTechnical Notes
idb.identifier.pubnumberIDB-TN-03312
idb.operationRG-T4128
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