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dc.contributor.authorTasmia, Anwar
dc.contributor.authorMd. Asaduzzaman
dc.date.accessioned2019-01-26T04:32:41Z
dc.date.available2019-01-26T04:32:41Z
dc.date.issued2018-10
dc.identifier.citationInternational Journal of Business and Technopreneurship, vol.8(3), 2018, pages 321-328en_US
dc.identifier.issn2231-7090
dc.identifier.issn2232-1543 (online)
dc.identifier.urihttp://dspace.unimap.edu.my:80/xmlui/handle/123456789/58071
dc.descriptionLink to publisher's homepage at http://ijbt.unimap.edu.myen_US
dc.description.abstractThis paper attempts to analyze the approach and criteria used for decision making by commercial banks at the time of issuing loans to SMEs. Primary survey was conducted by using convenience sampling method from 60 respondents who were either bank managers or senior loan officers specializing in SME through a pre-tested structured questionnaire. The study concludes commercial banks follow conservative approach while granting credit to SMEs and they also show reluctance in providing loans to these businesses. Their focus and interest is on collateral and securities ‘Information Asymmetry’ has been identified as the main reason for banks to follow a conservative approach. The study also focuses on bankers’ decision making regarding providing loans to SMEs. The results show banks emphasize on loan characteristics, profitability and collateral offered.en_US
dc.language.isoenen_US
dc.publisherSchool of Business Innovation and Technopreneurship, Universiti Malaysia Perlis (UniMAP)en_US
dc.subjectSMEen_US
dc.subjectCommercial banken_US
dc.subjectInformation asymmetryen_US
dc.subjectConservative approachen_US
dc.subjectCommercial banks -- Bangladeshen_US
dc.titleDecision making approach and criteria of SME financing by commercial banks of Bangladeshen_US
dc.typeArticleen_US
dc.identifier.urlhttp://ijbt.unimap.edu.my
dc.contributor.urltasmia@eastdelta.edu.bden_US


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