Sme loan decision-making process: The declining role of human capital

Ottavia, Enkhbold Chuluunbaatar, Shiann Far Kung, Ding Bang Luh

Research output: Contribution to journalArticlepeer-review

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.

Original languageEnglish
Pages (from-to)29-52
Number of pages24
JournalAsian Academy of Management Journal
Volume16
Issue number2
Publication statusPublished - 2011 Jul 1

All Science Journal Classification (ASJC) codes

  • Business, Management and Accounting(all)

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