Jose Liñares-Zegarra

Author

Jose Liñares-Zegarra is Senior Lecturer in Finance at Essex Business School. He holds a PhD from the University of Granada (Spain). Jose is also a Honorary Senior Lecturer at University of St Andrews and a Fellow of the Higher Education Academy (FHEA). Previously, he has held visiting teaching/research positions at the Federal Reserve Bank of Boston, University of St Andrews, University of Alicante, University of Illinois, Florida State University and the Institute of European Finance (Bangor University, UK).

Contact Details

Biography

Jose Liñares-Zegarra is Senior Lecturer in Finance at Essex Business School. He holds a PhD from the University of Granada (Spain). Jose  is also a Honorary Senior Lecturer at University of St Andrews and a Fellow of the Higher Education Academy (FHEA). Previously, he has held visiting teaching/research positions at the Federal Reserve Bank of Boston, University of St Andrews, University of Alicante, University of Illinois, Florida State University and the Institute of European Finance (Bangor University, UK).

Research Paper

An empirical examination of discouraged borrowers in the UK. Research Paper No 69

This paper investigates the differences between small and medium sized firms (SMEs) that apply for funding and those that are discouraged from applying for funding - so-called discouraged borrowers. The dynamics and determinants of borrower discouragement, together with its impact on the activities of SMEs are also investigated. Data from the Longitudinal Small Business Survey suggests that one in ten SMEs (9.3%) can be classified as being a discouraged borrower or as many as half a million UK SMEs could be discouraged borrowers.

Associated Themes