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Mac an Bhaird, Ciarán orcid logoORCID: 0000-0003-2863-3398, Sánchez-Vidal, Javier orcid logoORCID: 0000-0003-0587-2927, Lucey, Brian orcid logoORCID: 0000-0002-4052-8235 and Gurdgiev, Constantin orcid logoORCID: 0000-0002-5501-7614 (2012) What determines the decision to apply for credit? Evidence for Eurozone SMEs. In: 35rd Conference of the Institute for Small Business and Entrepreneurship, 6-8 Nov 2012, Dublin, Ireland.

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