SME Finance Policy Guide

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GLOBAL PARTNERSHIP FOR FINANCIAL INCLUSION
ANNEX V
Resources, References
Key references
Berger, A. N. and G. Udell. 2006. “A More Complete Conceptual Framework for SME Finance”. World Bank. Washington, DC.
Available at http://siteresources.worldbank.org/INTFR/Resources/475459-1107891190953/661910-1108584820141/Financing_
Framework_berger_udell.pdf
Claessens, S. , P. Honohan, L. Rojas-Suarez. 2009. “Policy Principles for Expanding Financial Access”. CGD. Washington, DC.
Available at www.cgdev.org/files/1422882_file_Financial_Access_Task_Force_Report_FINAL.pdf
OECD. 2006. “The SME Financing Gap, Volume I: Theory and Evidence”. Paris. OECD. Available at http://ec.europa.eu/enterprise/
newsroom/cf/document.cfm?action=display&doc_id=624&userservice_id=1
Randhawa et al. 2010. “Toward Universal Access: Addressing the Global Challenge of Financial Inclusion”. Postcrisis Growth and
Development: A Development Agenda for the G-20. World Bank. Washington, D.C.
United Nations, “Building Inclusive Financial Sector for Development”, 2006, India, Mexico and South Africa examples based on
public reports and publicly available information (see Reading List in Volume II for exact sources).
Access to SME Finance in Least Developed Countries
Ayyagari, M., T. Beck, and A. Demirgüç-Kunt,2007. “Small and Medium Enterprises across the Globe.” Small Business Economics
29, 415-434
Beck, T., A. Demirgüç-Kunt, and V. Maksimovic. 2005. “Financial and Legal Constraints to Firm Growth: Does Firm Size Matter?”
Journal of Finance. 60(1, February): 137–177.
Beck, T., A. Demirgüç-Kunt, and V. Maksimovic. 2008. Financing Patterns around the World: Are small firms different? Journal of
Financial Economic 89, 467-87
Beck,T., A. Demirgüç-Kunt and M.S. Martinez Peria. 2008. “Bank Financing for SMEs around the World: Drivers, Obstacles,
Business Models, and Lending Practices.” The World Bank, Washington DC.
Beck,T., A. Demirgüç-Kunt and M.S. Martinez Peria. 2010 “Bank Financing for SMEs: Evidence Across Countries and Bank
Ownership Types.” Journal of Financial Services Research
Claessens, Stijn and Laeven, Luc A., Financial Development, Property Rights, and Growth (November 2002). World Bank Policy
Research Working Paper No. 2924.
Beck, Thorsten, Asli Demirgüç-Kunt, and Ross Levine. 2005. “SMEs, Growth, and Poverty.” National Bureau of Economic Research
Working Paper 11224, March.
OECD. 2006. “The SME Financing Gap, Vol. I: Theory and Evidence.” Paris: OECD.]
Role of Regulators
Access through Innovation Sub-Group of the G20 Financial Inclusion Experts Group, 2010. Innovative Financial Inclusion
Principles and Report on Innovative Financial Inclusion.
Burgess, Robin and Rohini Pande, 2005. Do Rural Banks Matter? Evidence from the Indian Social Banking Experiment
Demirgüç-Kunt Asli, Thorsten Beck, and Patrick Honohan, 2008. Finance for all? : Policies and pitfalls in expanding access. The
World Bank.