Journal of Applied Finance & Banking

Company self-rationing: The case of the Souss-Massa region

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  • Abstract

    Using data from a survey for the companies of the Region Souss-Massa (RSM), we study the determiners of credit self-rationing. Our definition of discouraged companies is for businesses if they do not apply for bank credit when they would have asked for their financial position to be illustrative. We use logistic regression and we study the characteristics of the company and those of the administrator who can affect this type of credit rationing. We notice that for self-rationing, "the age of the company", "the rate of debts", "the experience of the administrator" and " the academic level of the administrator" establish the main determiners for the discouragement. 

    JEL classification numbers: E51
    Keywords: credit, self-rationing, determiners.