Understanding the Coexistence of Formal and Informal Credit Markets in Piura, Peru

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Informal Entrepreneurship and Industry Conditions (2016, background): “However, in recent years, banks and other lending agencies have begun providing loans to informal firms (De Castro et al., 2014; Guirkinger, 2008).”
Research on entrepreneurship in the informal economy: Framing a research agenda (2013, background): “While formal lending options are becoming increasingly available, informal entrepreneurs often continue to rely on informal lending options despite substantial interest rates (Baydas et al., 1995; Guirkinger, 2008).”
Discrimination, Social Capital, and Financial Constraints: The Case of Viet Nam (2017, background): “While informal credit may have a positive impact on the accessibility of microcredit programs (Khoi, Gan, Nartea, & Cohen, 2013), informal loans are a type of supplement to ﬁll the gap left by the formal sector and are preferred (e.g., Duong & Izumida, 2002; Guirkinger, 2008).”
The Determinants of Financial Inclusion in Western Africa: Insights from Ghana (2013, background): “…the empirical literature as the formal and informal financial markets (Tang, 1995; Chaudhuri & Gupta, 1996; Steel et al., 1997; Bose, 1998; Diagne, 1999; Jain, 1999; Atieno, 2001; Chakrabarty & Chaudhuri, 2001; Aryeetey, 2003; Straub, 2005; Guirkinger, 2008; Swaminathan et al., 2010; Giné, 2011).”