# Informal, formal institutions and credit: complements or substitutes?

> Research article (Journal of Institutional Economics, 2019) · cited 46× · AI/ML

**Wikidata**: [openalex:W2917945098](https://www.wikidata.org/wiki/openalex:W2917945098)  
**Source**: https://4ort.xyz/entity/informal-formal-institutions-and-credit-complements-or-substitutes