"How credit constraints affect small and medium enterprises'

"How credit constraints affect small and medium enterprises' strategic " by Thang Bach, Charles Harvie et al.


Abstract
This study makes use of rich firm-level and linked firm-employee datasets that span the 2009–2015 period in Vietnam to examine how SMEs' credit constraints affect their strategic employment decisions and employees' labour outcomes. Our results show that constrained SMEs enlarge total employment by employing relatively more temporary workers and paying their employees relatively lower wages than unconstrained borrowing firms. Meanwhile, discouraged firms, mostly informal businesses, do not behave differently from unconstrained counterparts. In order to maintain a stable employment portfolio, discouraged firms are relatively more willing to reward their employees with an overtime payment.
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Related Keywords

Vietnam , Republic Of , , Credit Constraints , Iscouraged Borrower , Employment , Labour Market Outcomes , Age , வியட்நாம் , குடியரசு ஆஃப் , வாழ்நாள் ,

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