Bedendo, MasciaMasciaBedendoGarcía-Appendini, EmiliaEmiliaGarcía-AppendiniSiming, LinusLinusSiming2023-04-132023-04-132017-05https://www.alexandria.unisg.ch/handle/20.500.14171/102406enManagerial cultural originInformal financingTrade creditSmall firm financingCultural Preferences and the Choice between Formal and Informal Financingworking paper