Sme Loan Decision-Making Process: The Declining Role Of Human Capital
This study is intended to establish relationships among a borrower's attributes, the likelihood of loan approval, and the effect of lender's human capital in the SME loan-granting process. A conjoint analysis has been used as the main analytical tool. The results showed that: (1) a borr...
| Main Authors: | , , , |
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| Format: | Article |
| Language: | English |
| Published: |
Asian Academy of Management (AAM)
2011
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| Subjects: | |
| Online Access: | http://eprints.usm.my/36563/1/AAMJ_16.2.2.pdf |
| Summary: | This study is intended to establish relationships among a borrower's attributes, the
likelihood of loan approval, and the effect of lender's human capital in the SME
loan-granting process. A conjoint analysis has been used as the main analytical tool. The
results showed that: (1) a borrower's attributes are all positively related to the likelihood
of loan approval on different levels, (2) officers place different weights on a borrower's
attributes, and (3) human capital factors do not have significant roles in the SME
loan-granting process |
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