<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>1692-8563</journal-id>
<journal-title><![CDATA[Dimensión Empresarial]]></journal-title>
<abbrev-journal-title><![CDATA[Dimens.empres.]]></abbrev-journal-title>
<issn>1692-8563</issn>
<publisher>
<publisher-name><![CDATA[Universidad Autónoma del Caribe, Facultad de Ciencias Administrativas, económicas y Contables]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S1692-85632020000100012</article-id>
<article-id pub-id-type="doi">10.15665/dem.v18i(1).2140</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[CREDIT DECISION-MAKING AND INFORMATION REQUIREMENTS]]></article-title>
<article-title xml:lang="es"><![CDATA[DECISIONES DE CRÉDITO Y REQUISITOS DE INFORMACIÓN]]></article-title>
<article-title xml:lang="pt"><![CDATA[DECISÃO DE CRÉDITO E REQUISITOS DE INFORMAÇÃO]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Cancino]]></surname>
<given-names><![CDATA[Susan]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Cancino-Escalante]]></surname>
<given-names><![CDATA[Giovanni]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,University of Nottingham  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>United Kingdom</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,University of Pamplona  ]]></institution>
<addr-line><![CDATA[Pamplona North of Santander]]></addr-line>
<country>Colombia</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>03</month>
<year>2020</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>03</month>
<year>2020</year>
</pub-date>
<volume>18</volume>
<numero>1</numero>
<fpage>12</fpage>
<lpage>27</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S1692-85632020000100012&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S1692-85632020000100012&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S1692-85632020000100012&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract The world economy experienced a systemic financial crisis that resulted from a period of excessive borrowing and lending. The purpose of the research was to understand the credit decision-making process and the information requirements by banks. A survey was conducted among twenty-two Brazilian credit establishments and results showed that the perceived importance and actual frequency of use of resources such as audited accounts, banker´s internal records and loan experience were similar, and security was an important issue for small businesses due to the problem of information asymmetry.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen La economía mundial se vio afectada por la crisis financiera que resultó de un período de excesivos endeudamientos y préstamos. El propósito de la investigación fue comprender el proceso de toma de decisiones de crédito y los requisitos de información de los bancos. Se realizó una encuesta a veintidós establecimientos de crédito brasileños y los resultados muestran que la importancia percibida y la frecuencia del uso de los recursos, como las cuentas auditadas, los registros internos de los banqueros y la experiencia previa en préstamos fueron similares. La garantía fue un tema importante para las pequeñas empresas debido al problema de información asimétrica.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Resumo A economia mundial foi afetada pela crise financeira que resultou de um período de excessivo endividamento e empréstimos. O objetivo da pesquisa foi compreender o processo de tomada de decisão de crédito e os requisitos de informação dos bancos. Uma pesquisa foi realizada a vinte e dois estabelecimentos de crédito brasileiro e os resultados mostram que a importância percebida e a frequência real de uso de recursos, como contas auditadas, registros internos do banco e experiência anterior com empréstimos foram semelhantes e a garantia foi um problema importante para as pequenas empresas devido a informação assimétrica.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[Credit decision-making]]></kwd>
<kwd lng="en"><![CDATA[information asymmetry]]></kwd>
<kwd lng="en"><![CDATA[large and small companies]]></kwd>
<kwd lng="es"><![CDATA[Toma de decisiones de crédito]]></kwd>
<kwd lng="es"><![CDATA[información asimétrica]]></kwd>
<kwd lng="es"><![CDATA[grandes y pequeñas empresas]]></kwd>
<kwd lng="pt"><![CDATA[Tomada de decisão de crédito]]></kwd>
<kwd lng="pt"><![CDATA[informação assimétrica]]></kwd>
<kwd lng="pt"><![CDATA[pequena e grandes empresas]]></kwd>
</kwd-group>
</article-meta>
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