Determinants of Access to Finance for Women-Owned SMEs in Bank Loans in Bangladesh

2018 ◽  
Vol 10 (1) ◽  
pp. 34
Author(s):  
Rozina Akther ◽  
Farjana Afroz
Keyword(s):  
Bank Loans ◽  
Access To Finance

scholarly journals Access to finance for small and medium-sized enterprises in North Kosovo

2015 ◽  
pp. 557-569
Author(s):  
Isidora Ljumovic ◽  
Krsto Jaksic
Keyword(s):  
Bank Loans ◽  
Financial Resources ◽  
Access To Finance

The purpose of this paper is to identify the problems small and medium-sized enterprises (SMEs) are facing in Serbian municipalities in North Kosovo. The experience and previous researches show that SMEs, especially those in crisis areas, have a greater demand than supply for financial resources. We have created a questionnaire in order to get relevant data from SMEs in North Kosovo and to assess the shortcomings of the system of financing. Results show that access to finance in North Kosovo is extremely limited. Entrepreneurs and SMEs are usually financed with own resources and with a help from friends or family, while the bank loans are not frequent and are very expensive.

Court Enforcement, Bank Loans, and Firm Investment: Evidence from a Bankruptcy Reform in Brazil *

2016 ◽  
Vol 131 (3) ◽  
pp. 1365-1413 ◽  
Author(s):  
Jacopo Ponticelli ◽  
Leonardo S. Alencar
Keyword(s):  
Instrumental Variable ◽  
Bank Loans ◽  
Financial Reform ◽  
Firm Investment ◽  
Access To Finance ◽  
State Laws ◽  
Brazilian State ◽  
Civil Courts ◽  
The Impact ◽  
Secured Creditors

Abstract We exploit variation in the congestion of civil courts across Brazilian municipalities, together with a bankruptcy reform increasing secured creditors’ protection, to estimate the effect of enforcement on firm access to finance, investment, and size. We find that firms operating in municipalities with less congested courts experienced a larger increase in the use of secured loans, as well as a larger increase in investment and value of output in the years after the reform. To establish the direction of causality, we use an instrumental variable strategy that exploits Brazilian state laws on judicial organization, and focus on differences in court congestion across otherwise similar neighboring municipalities located across judicial district borders within the same state. The evidence indicates that differences in court enforcement affect the impact of financial reform on firm access to finance, investment, and size.

scholarly journals Comparative Analysis of Financing for Small and Medium-Sized Enterprises in the Visegrad Group

2021 ◽  
Vol 92 ◽  
pp. 06041
Author(s):  
Veronika Vrablova
Keyword(s):  
Czech Republic ◽  
Comparative Analysis ◽  
National Economy ◽  
Slovak Republic ◽  
Value Added ◽  
Bank Loans ◽  
Access To Finance ◽  
The Czech Republic ◽  
The World ◽  
Visegrad Group

Research background: Small and medium-sized enterprises form the backbone of any national economy. Therefore, sources of financing are important for the enterprise´s growth around the world. Finance for enterprises can be divided into classic and alternative. Recently, alternative ways of financing experienced a boom, especially venture capital, business angels, and crowdfunding. Although this type of funding is well known around the world, there are difficulties in using alternative financing among the Visegrad group. Moreover, there are lots of other factors curbing the expansion of enterprises. Purpose of the article: The purpose of this paper is to identify and compare sources of financing for small and medium-sized enterprises among the Visegrad group with focus on alternative financing. Visegrad group consists of the Slovak Republic, the Czech Republic, the Hungary, and the Poland. This paper presents an overview of available financing for small and medium-sized enterprises among the Visegrad group. Methods: For analysis, we used data from the the Survey on the access to finance for enterprises in 2019. Moreover, we also did hypothesis testing to compare the usage of financing through bank overdraft in the year 2019. Findings & Value added: We have reached several conclusions. Firstly, this paper suggests that classic sources of financing are used more than alternative ways, from which the bank loans and leasing are used the most. Secondly, the best condition of financing among countries of the Visegrad group is in Poland, but also other countries have huge potential. And finally, financing of enterprises is not the main issue causing difficulties in making business.

scholarly journals THE ROLE OF FINANCIAL LITERATION IN MODERATING THE RELATIONSHIP BETWEEN ACCESS TO FINANCIAL AND THE GROWTH OF MSMES IN WEST KALIMANTAN PROVINCE – INDONESIA

2020 ◽  
Vol 5 (1) ◽  
pp. 01-06
Author(s):  
Girang Permata Gusti ◽  
Yudis Agustira ◽  
Muhammad Rheza Tawakkal
Keyword(s):  
Financial Literacy ◽  
Electronic Mail ◽  
Bank Loans ◽  
Access To Finance ◽  
Financial Access ◽  
West Kalimantan ◽  
Postal Services ◽  
The Relationship ◽  
Descriptive Method

The low rate of financial literacy in West Kalimantan has triggered a study to explore the role of this variable, can it moderate the relationship between financial access and the growth of MSMEs in West Kalimantan Province?. This research uses a descriptive method with an associative research design and 390 MSMEs respondents. The distribution of the questionnaires used postal services, electronic mail, and social media. The results of this study are financial literacy can moderate the relationship between financial access and the growth of MSMEs and financial literacy has a positive and significant effect on the growth of MSMEs. An interesting finding from this research is access to finance has a negative and significant effect on the growth of MSMEs, this result is due to the lack of knowledge of MSMEs about how to manage money obtained from bank loans.

scholarly journals Access to Finance as a Driver Innovation

2021 ◽  
Vol 100 ◽  
pp. 01020
Author(s):  
Iryna Vasylchuk ◽  
Natalya Izmaylova ◽  
Olga Smyrna ◽  
Tetiana Petrishyna ◽  
Kateryna Slusarenko
Keyword(s):  
Economic Growth ◽  
Innovative Activity ◽  
Bank Loans ◽  
Access To Finance ◽  
Industrial Enterprises ◽  
Correlation And Regression Analysis ◽  
Number Of Factors ◽  
Post Industrial ◽  
The Relationship ◽  
Different Sources

Innovation accelerates economic growth and becomes the key to success in the new post-industrial paradigm. The more innovation, the more a country's prosperity grows. Innovation is a risky and costly type of activity, so it requires significant financial resources attracted from different sources and by different methods. Traditionally, the entrepreneurial sector, which has sufficient amounts of various resources, is the most innovatively active. At the same time, the innovative activity of companies is under pressure from a number of factors. The purpose of the article is to analyze the factors influencing the innovative activity of industrial enterprises in Ukraine and to identify the relationship between the volume of innovation and economic growth of the country. For the analysis there were used the methods of descriptive, comparative and correlation and regression analysis. The sample is created at the basis of data from statistical reports on the research and development activities of economic entities in Ukraine for the period 2000-2019.It has been revealed that there is a steady decline in the number of workers in the innovation sphere in Ukraine, and compared to European countries, these indicators are much lower and tend to decrease further. This affects the place of Ukraine in the global ranking of innovation in a negative way. It is confirmed that there is a direct positive significant relationship between the costs of innovation and bank loans and foreign direct investment in the capital of Ukrainian companies, confirms the thesis of funding as a driver of innovation. It is confirmed for Ukrainian content that there is a positive relationship between innovation and economic growth.

Discretionary Accruals in Italian Private Firms and Non-Linear Bank Loan Granting

2017 ◽  
pp. 83-99
Author(s):  
Elisabetta Mafrolla ◽  
Viola Nobili
Keyword(s):  
Financial Reporting ◽  
Banking System ◽  
Regulatory System ◽  
Discretionary Accruals ◽  
Bank Loans ◽  
Bank Loan ◽  
Banking Union ◽  
Private Firms ◽  
European Banking Union

This paper investigates whether and at what extent private firms reduce the quality of their accruals in order to signal a better portrait to the bank and obtain new or larger bank loans. We measure earnings discretionary accruals of a sample of Italian private firms, testing whether new and larger bank loans are associated with a higher (lower) quality of earnings in borrowers' financial reporting. We study bank loan levels and changes and how they impact discretionary accruals and found that, surprisingly, private firms' discretionary accruals are systematically positively affected by an increase in bank loans, although they are negatively affected by the credit worthiness rating assigned to the borrowers. We find that the monitoring role of the banking system with regard to the adoption of discretionary accruals is effective only when the loan is very large. This paper may have implications for policy-makers as it contributes to the understanding of the shortcomings of the banking regulatory system. This is an extremely relevant issue since the excessive amount of non-performing loans held by Italian banks recently threatened the stability of the European Banking Union as a whole.

The role of bank loans in economic growth of troubled regions

2019 ◽  
Vol 25 (12) ◽  
pp. 2859-2877
Author(s):  
N.V. Koloskova ◽  
◽  
G.F. Balakina ◽  
Keyword(s):  
Economic Growth ◽  
Bank Loans

THE ACCESS TO GOVERNMENT FINANCIAL SUPPORT THROUGH LEGAL CHANNELS OF SMALL AND MEDIUM ENTERPRISES IN FOUR ASIA PACIFIC COUNTRIES

2020 ◽  
Vol 9 (2) ◽  
pp. 298
Author(s):  
Muhamad Marwan
Keyword(s):  
Financial Support ◽  
Small And Medium Enterprises ◽  
Mediation Effect ◽  
Asia Pacific ◽  
Survey Questionnaire ◽  
Access To Finance ◽  
Medium Enterprises ◽  
The Impact ◽  
The Relationship

The aim of this study is to determine the impact of networking on SME’s ability to access government financial support through legal channels in Asia Pacific. This study is quantitative in nature in which the data has been gathered from 281 employees and managers working in SMEs through survey questionnaire. The SEM technique was utilised for the purpose of analysing and testing the mediation effect. The study found that there is a partial mediation of government financial support through legal channels among the relationship between networking with officers and access to finance. This study is restricted to the SMEs operating in the region of Asia Pacific.

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