Collateralized Borrowing: Insights from the World Bank Enterprise Surveys

25 Pages Posted: 20 Apr 2016 Last revised: 31 Jan 2019

See all articles by Ha Minh Nguyen

Ha Minh Nguyen

affiliation not provided to SSRN

Ha Nguyen

World Bank

Rong Qian

World Bank

Date Written: March 1, 2012

Abstract

Using the World Bank Enterprise Surveys, we investigate the prevalence and correlates of collateralized borrowing in 131 countries between 2005-2017. Overall, 77 percent of loans require collateral, and the median loan-to-collateral value is 60 percent. Small firms and loans from non-bank financial institutions are less often associated with collateral. When collateral is pledged, the type of collateral assets is strongly correlated with the loan-to-value ratio.

Keywords: Employment and Unemployment, Judicial System Reform, Legal Institutions of the Market Economy, Capital Markets and Capital Flows, Non Bank Financial Institutions, Capital Flows, Access to Finance

Suggested Citation

Nguyen, Ha Minh and Nguyen, Ha and Qian, Rong, Collateralized Borrowing: Insights from the World Bank Enterprise Surveys (March 1, 2012). World Bank Policy Research Working Paper No. 6001, Available at SSRN: https://ssrn.com/abstract=2026345

Ha Minh Nguyen (Contact Author)

affiliation not provided to SSRN

Ha Nguyen

World Bank ( email )

1818 H Street, NW
Washington, DC 20433
United States

Rong Qian

World Bank ( email )

1818 H Street, NW
Washington, DC 20433
United States

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