scholarly journals Financing of Small and Medium-Sized Enterprises: A Supply-Side Approach Based on the Lending Decisions of Commercial Banks

2018 ◽  
Vol 4 (3) ◽  
pp. 123-135
Author(s):  
Forbeneh Agha Jude ◽  
Chi Collins Penn ◽  
Ntieche Adamou
Keyword(s):  
Decision Making ◽  
Commercial Banks ◽  
Bank Loan ◽  
Research Approach ◽  
Supply Side ◽  
Structured Interviews ◽  
Verbal Protocol Analysis ◽  
Lending Decisions ◽  
Loan Officers ◽  
Bank Loan Officers

Abstract The objective of this paper is to determine the primary issue causing commercial banks to lend to SMEs. Indeed, this paper focuses on the supply side approach to bridge the research gap in understanding the financing lacuna, which has often been overlooked due to the tendency to analyse financing gap from the demand side only. The paper discusses the nature of the decision-making process from interviews with bank loan officers utilising verbal protocol analysis to give insights into the decision making of bank loan officers in the processing of bank funding proposals. To achieve the objective of the study, we used a qualitative research approach characterised by the collection of information through semi-structured interviews with loan officers responsible for small and mediumsized enterprises of four (4) commercial banks in Cameroon. The information resulting from the transcription of interviews was analysed using content analysis. The result derived from the analysis revealed that confidence is the paramount issue urging commercial banks to grant loans to SMEs. Indeed, from existing embedded relationship overtime, commercial banks obtain valuable information about the behaviours of SMEs. Based on this information a certain degree of confidence and trust emerges causing banks to supply loans to SMEs. From the aforementioned analysis, we formulate: “The theory of confidence lending decisions of commercial banks.”

scholarly journals Decision Domains and Teacher Participation: A Qualitative Investigation of Decision-Making in Egyptian Schools

2017 ◽  
Author(s):  
Waheed Hammad
Keyword(s):  
Decision Making ◽  
Secondary Schools ◽  
Teacher Participation ◽  
Student Discipline ◽  
Research Approach ◽  
Structured Interviews ◽  
Policy Makers ◽  
Discipline Policy ◽  
Qualitative Descriptive ◽  
Central Administrators

The purpose of this paper is to explore the gap between actual and desired decision domains as a potential factor affecting teacher participation in decision-making in Egyptian schools. In order to explore this gap, the study sets out to answer three questions: (1) what would a typology of school decisions look like in Egypt’s secondary schools? (2) How do Egyptian teachers perceive actual decisions made in their schools? (3) What decision domains are most desired by Egyptian teachers? The study employed a qualitative, descriptive research approach based on individual, semi-structured interviews with a sample of 85 school teachers and senior and middle management members in nine general secondary schools in Damietta County, Egypt. School documents were also collected and analyzed. These included minutes of meetings of school boards and Boards of Trustees (BOTs). A typology of school decisions was developed which revealed the absence of significant decisions related to curriculum. Teachers’ responses showed that they regarded school decisions as insignificant and irrelevant to their concerns, and that significant decisions are retained by central administrators. Desired decision areas were identified which included curriculum and student discipline policy. As this study is consistent with the current interest in decentralization and increased participation in Egypt’s schools, it is hoped that the findings will be useful to educational policy makers as well as practitioners as they implement decentralization initiatives in Egypt. The findings may also have relevance and applicability to comparable secondary schools in other parts of the world.

scholarly journals Visiting the “enemy”: visitation in politically unstable destinations

2019 ◽  
Vol 74 (3) ◽  
pp. 293-309 ◽  
Author(s):  
Anna Farmaki ◽  
Katerina Antoniou ◽  
Prokopis Christou
Keyword(s):  
Decision Making ◽  
Qualitative Research ◽  
Design Methodology ◽  
Political Environment ◽  
Research Approach ◽  
Structured Interviews ◽  
Content Type ◽  
Stepping Stone ◽  
Travel Decision ◽  
The Way

Purpose This study aims to examine the factors shaping the intentions of people to visit a hostile outgroup. Design/methodology/approach An exploratory, qualitative research approach was followed. Specifically, 77 semi-structured interviews with citizens of the divided island of Cyprus were conducted. Findings This study identifies several categories of visitors and non-visitors, depicted along a continuum, and concludes that there is a multiplicity of factors in the socio-political environment which influence the travel intentions of people. Originality/value This study not only imparts insights into the way travel decision-making evolves in politically unstable situations but also serves as a stepping stone towards understanding the conditions under which reconciliation between hostile nations may be encouraged by travel.

An Experimental Study Of Commercial Bank Loan Officer Behavior

2011 ◽  
Vol 5 (4) ◽  
pp. 30
Author(s):  
J. David Diltz ◽  
Mark E. Bayless
Keyword(s):  
Experimental Study ◽  
Statistical Analysis ◽  
Commercial Bank ◽  
Prior Experience ◽  
Bank Loan ◽  
Years Of Experience ◽  
Urban Location ◽  
Loan Officer ◽  
Loan Officers ◽  
Bank Loan Officers

This paper presents the results of an experimental study in which commercial bank loan officers evaluated a hypothetical ongoing firm for a line of credit, and independently, a term loan. Statistical analysis revealed significant influences on the loan decision resulting from bank size, national charter, urban location, loan officer age, years of experience, and prior experience with capital lease transactions.

Policies To Promote Auditor Independence: More Evidence On The Perception Gap

2011 ◽  
Vol 7 (2) ◽  
pp. 10 ◽  
Author(s):  
Lydia L. F. Schleifer ◽  
Randolph A. Shockley
Keyword(s):  
Multidimensional Scaling ◽  
Financial Analysis ◽  
Auditor Independence ◽  
Bank Loan ◽  
Financial Statement ◽  
Perception Gap ◽  
Extensive Body ◽  
Loan Officers ◽  
Big Eight ◽  
Bank Loan Officers

The extensive body of literature and research concerning auditor independence, the so-called cornerstone of the profession, has centered mainly on alleged threats to perceived independence or threats to actual independence. The objective of this study was to investigate accountants and financial statement users reactions to policies designed to enhance auditor independence. Multidimensional scaling techniques were used to measure the similarity or dissimilarity of the views of four separate groups: Big Eight auditors; non-Big Eight CPAs, bank loan officers, and certified financial analysis. Results showed that the four groups differed significantly in the extent of their support of fourteen policies discussed in the Cohen Communication Report as means to enhance auditor independence. The Cohen Commissions position on these policies was found to appear to be more aligned with financial statement users.

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