Amaury de Vicq & Christiaan van Bochove argue in the journal Social Science History that 18thC & 19thC ‘cosignatory lending’ enabled small-scale credit at low rates. This kind of credit intermediation allowed more people & small business to borrow in European & North American urban credit markets. Useful for low-income communities today. https://doi.org/10.1017/ssh.2022.29
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