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Keywords: Collateral
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Journal Articles
Journal of Small Business and Enterprise Development (2021) 28 (1): 102–120.
Published: 21 October 2020
... persists, which is compounded by underdeveloped financial markets for small farmers, giving rise to financial exclusion and negatively impacting on economic growth. To overcome information asymmetry, banks rely on the qualitative factors and an excessive level of collateral when making lending decisions...
