Title of article :
SME LOAN DECISION-MAKING PROCESS: THE DECLINING ROLE OF HUMAN CAPITAL
Author/Authors :
Ottavia National Cheng Kung University - Institute of Creative Industry Design, Taiwan , Chuluunbaatar, Enkhbold National Cheng Kung University - Institute of Creative Industry Design, Taiwan , Kung, Shiann-Far National Cheng Kung University - Institute of Creative Industry Design - Department of Urban Planning, Taiwan , Luh, Ding-Bang National Cheng Kung University - Institute of Creative Industry Design - Department of Industrial Design, 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.
Keywords :
SME loan granting , conjoint analysis , lender s human capital , borrower s attributes , likelihood of loan approval
Journal title :
Asian Academy of Management Journal
Journal title :
Asian Academy of Management Journal
