SME LOAN DECISION-MAKING PROCESS: THE DECLINING ROLE OF HUMAN CAPITAL

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Published: Jul 31, 2011
Keywords:
SME loan granting, conjoint analysis, lender's human capital, borrower's attributes, likelihood of loan approval

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Ottavia
Institute of Creative Industry Design, National Cheng Kung University, Tainan City 701, Taiwan
Enkhbold Chuluunbaatar
Institute of Creative Industry Design, National Cheng Kung University, Tainan City 701, Taiwan
Shiann-Far Kung
Institute of Creative Industry Design, National Cheng Kung University, Tainan City 701, Taiwan
Ding-Bang Luh
1 Institute of Creative Industry Design, National Cheng Kung University, Tainan City 701, Taiwan

Abstract

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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How to Cite
Ottavia, Enkhbold Chuluunbaatar, Shiann-Far Kung, & Ding-Bang Luh. (2011). SME LOAN DECISION-MAKING PROCESS: THE DECLINING ROLE OF HUMAN CAPITAL. Asian Academy of Management Journal, 16(2), 29–52. https://ejournal.usm.my/aamj/article/view/aamj_vol16-no-2-2011_2
Issue
Vol. 16 No. 2 (2011)
Section
Original Articles
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