Authors

Theories

Questionnaire variables

Stiglitz and Weiss (1981); Nguena (2013); Oubdi and Amrhar (2013)

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

Zambaldi et al. (2001)

Age of the company

(Lopez and Maria, 2008)

Hierachical theory and credit rationing (mortgage)

Mortgage;

Outstanding balance insurance

Berger et al. (2005)

Hierarchical funding theories

Have a line of credit;

Psillaki (1995)

Financial theory of the firm

Investment in the last 12 months

Nguena (2013)

The hierarchical theory and credit rationing

Number of companies

Laurence (2002)

The theory of the signal

Respondent’s function

(Nguena, 2013)

Information asymmetry

Number of employees