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dc.contributor.authorAbdulsaleh, Abdulaziz
dc.contributor.authorWorthington, Andrew
dc.date.accessioned2018-12-03T00:02:55Z
dc.date.available2018-12-03T00:02:55Z
dc.date.issued2018
dc.identifier.issn2394-7926
dc.identifier.urihttp://hdl.handle.net/10072/381449
dc.description.abstractIn this paper, we model the determinants of successful bank loan applications to Bank Al Tanmeyaby small and medium-sized enterprises (SMEs) in Libya. The posited determinants of successful bank finance include firm size (in terms of employment), the business sector of operation, the age of the business, and the age and level of education of the owner– manager. All other things being equal, we find that older firms, more educated managers, and firms with a strong banking relationship are more like to be granted loans, while older owner–managers, larger firms, and firms in the services industry are less likely to be granted loans. The presence of business plans and attendance at training workshops appears to have little influence on whether loans are granted. These findings suggest that banks loans in Libya are largely made on the strength of the relationship between the bank and the SME rather than the financial statement-, asset-, or credit scoring-based approaches to bank lending found in more developed economies with stronger banking sectors. Index terms - Bank finance, Small and medium-sized enterprises, Firm factors, Owner–manager factors.
dc.description.peerreviewedYes
dc.languageEnglish
dc.language.isoeng
dc.publisherInstitute of Research and Journals
dc.publisher.urihttp://ijmas.iraj.in/paper_detail.php?paper_id=11474&name=Determinants_of_SME_Access_to_Bank_Finance
dc.relation.ispartofpagefrom46
dc.relation.ispartofpageto51
dc.relation.ispartofissue3
dc.relation.ispartofjournalInternational Journal of Management and Applied Science
dc.relation.ispartofvolume4
dc.subject.fieldofresearchFinancial Institutions (incl. Banking)
dc.subject.fieldofresearchcode150203
dc.titleDeterminants of SME access to bank finance
dc.typeJournal article
dc.type.descriptionC1 - Articles
dc.type.codeC - Journal Articles
dc.description.versionVersion of Record (VoR)
gro.facultyGriffith Business School, Department of Accounting, Finance and Economics
gro.rights.copyright© 2018 Institute of Research and Journals. The attached file is reproduced here in accordance with the copyright policy of the publisher. Please refer to the journal's website for access to the definitive, published version.
gro.hasfulltextFull Text
gro.griffith.authorWorthington, Andrew C.
gro.griffith.authorAbdulsaleh, Abdulaziz


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