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A publicação pode ser exportada nos seguintes formatos: referência da APA (American Psychological Association), referência do IEEE (Institute of Electrical and Electronics Engineers), BibTeX e RIS.

Exportar Referência (APA) 
Duarte, F. D., Gama, A. P. M. & Esperança, J. P. (2017). Collateral-based in SME lending: the role of business collateral and personal collateral in less-developed countries. Research in International Business and Finance. 39, 406-422
Exportar Referência (IEEE) 
F. Duarte et al.,  "Collateral-based in SME lending: the role of business collateral and personal collateral in less-developed countries", in Research in Int. Business and Finance, vol. 39, pp. 406-422, 2017
Exportar BibTeX 
@article{duarte2017_1734888721425,
	author = "Duarte, F. D. and Gama, A. P. M. and Esperança, J. P.",
	title = "Collateral-based in SME lending: the role of business collateral and personal collateral in less-developed countries",
	journal = "Research in International Business and Finance",
	year = "2017",
	volume = "39",
	number = "",
	doi = "10.1016/j.ribaf.2016.07.005",
	pages = "406-422",
	url = "http://www.sciencedirect.com/science/article/pii/S027553191630143X"
}
Exportar RIS 
TY  - JOUR
TI  - Collateral-based in SME lending: the role of business collateral and personal collateral in less-developed countries
T2  - Research in International Business and Finance
VL  - 39
AU  - Duarte, F. D.
AU  - Gama, A. P. M.
AU  - Esperança, J. P.
PY  - 2017
SP  - 406-422
SN  - 0275-5319
DO  - 10.1016/j.ribaf.2016.07.005
UR  - http://www.sciencedirect.com/science/article/pii/S027553191630143X
AB  - Using a database of banking credit approvals for small and medium-sized enterprises (SMEs) operating in less-developed countries throughout Eastern Europe and Central Asia, this paper extends empirical evidence on the determinants of the incidence and the levels of business and personal collateral, reporting first-hand results regarding the impact of the recently reformed credit environment on collateral requirements. The findings endorse the importance of producing and sharing private information between lenders to reduce informational asymmetries and, consequently, the need to provide collateral to receive a loan. The results also suggest that market concentration increases “lazy” behavior on behalf of banks in the form of asking for collateral not to mitigate observable risk but rather to reduce screening efforts.
ER  -