U.S. commercial banks are increasingly using credit scoring models to underwrite small business credits. This paper discusses this technology, evaluates the research findings on the effects of this technology on small business credit availability, and links these findings to a number of research and public policy issues. JEL classification: G21, G28, G34, L23

This paper establishes that lack of credit is one the root causes conflict; with being scarce, productive endeavours are less attractive and conflict-led activities more appealing at margin. Our investigation contributes to literature which predominantly focused on role income inequality for conflict incidence, but not availability in particular. A theoretical framework developed endogenous occ...

T his paper investigates the effect of monetary policy on the distribution of economic activity and agglomeration economies within a country. The considered channel for this effectiveness is the availability of credit to firms in various regions and the effects on the labor and consumer welfare. For this purpose, data for manufacturing firms located in 30 different provinces in Iran ...