Authors | Theories | Questionnaire variables |
| Information asymmetry and credit rationing | The borrower provides all the information requested by the bank; Keeping formal accounts; To be registered in the trade register Sales figures |
|
| Age of the company |
| Hierachical theory and credit rationing (mortgage) | Mortgage; Outstanding balance insurance |
| Hierarchical funding theories | Have a line of credit; |
| Financial theory of the firm | Investment in the last 12 months |
| The hierarchical theory and credit rationing | Number of companies |
| The theory of the signal | Respondent’s function |
| Information asymmetry | Number of employees |