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
From page
29
To page
52
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
Record number
2546564
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