Credit constraints refer to limitations faced by individuals or businesses in accessing credit or obtaining loans from financial institutions. These constraints can arise due to various reasons such as low credit scores, limited collateral, or a lack of financial resources. In the field of research, credit constraints are often studied to understand their impact on economic outcomes, such as investment decisions, consumption patterns, and overall economic development. Researchers may explore ways to alleviate credit constraints, such as through policy interventions or financial innovations, to improve access to credit for those who need it.