The impact of borrowers attributes on the possibility of SMEs loan approval in HCMC, viet nam
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The impact of borrowers attributes on the possibility of SMEs loan approval in HCMC, viet nam
UNIVERSITY OF ECONOMICS HO CHI MINH CITY International School of Business■ I SButH IrswnMWMlluun...PHAN THI TRAN NGATHE IMPACT OF BORROWERS’ ATTRIBUTE The impact of borrowers attributes on the possibility of SMEs loan approval in HCMC, viet namES ON THE POSSIBILITY OF SMEs LOAN APPROVAL IN HCMC, VNMASTER’S THESISSUPERVISOR: Dr. CAO HAO THIHo Chi Minh City. 2013iACKNOWLEDGEMENTSFirstly, I would like to express my gratitude Io Dr. Cao Hao Thi. my supervisor who has given a zealous support and advices during doing research period. Especially The impact of borrowers attributes on the possibility of SMEs loan approval in HCMC, viet nam, I am grateful for his enthusiasm in answering, reminding as well as his feedback, guidance and correction for me able to accomplish this thesis.SecoThe impact of borrowers attributes on the possibility of SMEs loan approval in HCMC, viet nam
ndly, I would like to thank Dr. Dinh Thai Hoang who taught data analysis, helped me analysis methodology and data process of this thesis as well.ThirdUNIVERSITY OF ECONOMICS HO CHI MINH CITY International School of Business■ I SButH IrswnMWMlluun...PHAN THI TRAN NGATHE IMPACT OF BORROWERS’ ATTRIBUTE The impact of borrowers attributes on the possibility of SMEs loan approval in HCMC, viet namchanging & sharing lheir knowledge and experience during my master course. Enthusiastic assistance provided by the ISB’s executive board and staffs was also greatly appreciated.Next. I would like to say thank you for creditors, who helped me to conduct survey, gave suggestions and shared their exper The impact of borrowers attributes on the possibility of SMEs loan approval in HCMC, viet namience in profession to do this research better.Last. 1 would also want to thank my friends and classmates who share their knowledge support, and workThe impact of borrowers attributes on the possibility of SMEs loan approval in HCMC, viet nam
with me during time I do this study.iiABSTRACTSmall and medium sized Enterprises (SMEs) play an important role in transitional economies and have highUNIVERSITY OF ECONOMICS HO CHI MINH CITY International School of Business■ I SButH IrswnMWMlluun...PHAN THI TRAN NGATHE IMPACT OF BORROWERS’ ATTRIBUTE The impact of borrowers attributes on the possibility of SMEs loan approval in HCMC, viet namital criteria in 2011 (Cuong. Sang & Anh. 2008) and produce over 40% of GDP. Yet, the SMEs have some difficulties in lacking of finance supply from financial institutes or banks. So this research will identify the factors effecting to the loan decision-making. From those factors, researcher will fin The impact of borrowers attributes on the possibility of SMEs loan approval in HCMC, viet namd down the key one that impacts strongest on the possibility of loan approval.Before a bank decides to invest into companies in a form of loan, they wThe impact of borrowers attributes on the possibility of SMEs loan approval in HCMC, viet nam
ill put into consideration a lot of aspects. In this decision making process, bank officers will take into account a lot of different kind of borrowerUNIVERSITY OF ECONOMICS HO CHI MINH CITY International School of Business■ I SButH IrswnMWMlluun...PHAN THI TRAN NGATHE IMPACT OF BORROWERS’ ATTRIBUTE The impact of borrowers attributes on the possibility of SMEs loan approval in HCMC, viet namconcepts relating to six borrower's attributes. The analyzing result found there are only three among six borrower's attributes which have positively related to possibility of SMF.s loan approval. The research model explained 47.3% the variance of the borrower’s attributes on the possibility of SMEs The impact of borrowers attributes on the possibility of SMEs loan approval in HCMC, viet nam loan approval.Key words: SMEs, loan approval, relationships with the bank, value of collateral, firm size, related business experience, share of inveThe impact of borrowers attributes on the possibility of SMEs loan approval in HCMC, viet nam
stment, business planiiiTABLE CONTENTACKNOWLEDGEMENTS................................................iABSTRACT .......................................UNIVERSITY OF ECONOMICS HO CHI MINH CITY International School of Business■ I SButH IrswnMWMlluun...PHAN THI TRAN NGATHE IMPACT OF BORROWERS’ ATTRIBUTE The impact of borrowers attributes on the possibility of SMEs loan approval in HCMC, viet namT OF FIGURES...............................................viiCHAPTER I INTRODUCTION..........................................11.1.Research background......................................11.2.Research Problem.........................................31.3.Research objectives.......................... The impact of borrowers attributes on the possibility of SMEs loan approval in HCMC, viet nam............51.4.Research scope...........................................51.5.Research contribution....................................51.6.ResearchThe impact of borrowers attributes on the possibility of SMEs loan approval in HCMC, viet nam
structure.......................................6UNIVERSITY OF ECONOMICS HO CHI MINH CITY International School of Business■ I SButH IrswnMWMlluun...PHAN THI TRAN NGATHE IMPACT OF BORROWERS’ ATTRIBUTEUNIVERSITY OF ECONOMICS HO CHI MINH CITY International School of Business■ I SButH IrswnMWMlluun...PHAN THI TRAN NGATHE IMPACT OF BORROWERS’ ATTRIBUTEGọi ngay
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