1 “... employment regulations, and low corporate taxes. The data also show that nearly all countries experienced a...”

2 “..., the authors explore the impact of bank competition on firms' access to finance. They find that low competition...”

3 “... that the self-reported demand for loans is low. Nevertheless, the incidence of credit constraints is pervasive...”

4 “... position (for example, high pre-crisis level of short-term debt and low cash stocks and cash flows...”

5 “...This paper examines the effects of providing financial services to low-income individuals...”