Small and medium enterprises face strong asymmetric information problems when trying to access credit. Informational asymmetries between lenders and borrowers may decrease with multiperiod lending relationships .There are set of models that help to set SMEs as good or bad reputation.
What I want is literature review that talk about five different models that focus in qualitative information (soft information) such the eduction or the age of SMEs manager. Not quantitive information such finance stuff or credit score.
all the references most be published academic journal since 2012 until now
