International Journal of Research and Innovation
Vol 1, Issue 1 (July 2026), pp. 37-49

Economics

Informal Credit Markets and Small-Enterprise Resilience

Meera Krishnan, Arjun Pillai · IFMR, Krea University

Abstract

Using transaction data from 9,000 micro-enterprises, we find that access to informal credit buffers revenue shocks more effectively than formal lines during downturns.

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Peer review

Reviewed under double-blind evaluation by 2 members of the editorial board:

Dr. Ananya RaoDr. Priya Menon

Accepted and published by Prof. S. Nagaraj, Editor-in-Chief.