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The geographies of access to enterprise finance: the case of the West Midlands, UK

Appleyard, Lindsey (2013) The geographies of access to enterprise finance: the case of the West Midlands, UK. Regional Studies. pp. 1-12. ISSN 0034-3404

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URL of Published Version: http://dx.doi.org/10.1080/00343404.2012.748979

Identification Number/DOI: doi:10.1080/00343404.2012.748979

The geographies of access to enterprise finance: the case of the West Midlands, UK, Regional Studies. Whilst there is a long history of credit rationing to small and medium-sized enterprises (SMEs) in the UK, the financial crisis has seen banks retreat further from lending to viable SMEs due to a reassessment of risk and lack of available capital. In so doing, the credit crunch is thought to be creating new geographies of financial exclusion. This paper explores the financial inclusion of enterprise through community development finance institutions (CDFIs) which provide loan finance to firms at the commercial margins in the West Midlands, UK. The paper concludes that CDFIs could partially address the financial exclusion of enterprise as an additional, alternative source of finance to that of mainstream banks.

Type of Work:Article
Date:2013 (Publication)
School/Faculty:Colleges (2008 onwards) > College of Social Sciences
Department:Centre for Household Assets and Savings Management (CHASM)
Subjects:HB Economic Theory
Institution:University of Birmingham
Copyright Holders:Taylor and Francis
ID Code:1341
Refereed:YES
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