From intention to action: Understanding bank credit access through the lens of the theory of planned behavior

Result code in IS VaVaI

<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F04130081%3A_____%2F24%3AN0000025" target="_blank" >RIV/04130081:_____/24:N0000025 - isvavai.cz</a>

Alternative codes found

RIV/70883521:28120/24:63582798

Result on the web

<a href="https://journals.economic-research.pl/oc/article/view/3082" target="_blank" >https://journals.economic-research.pl/oc/article/view/3082</a>

DOI - Digital Object Identifier

<a href="http://dx.doi.org/10.24136/oc.3082" target="_blank" >10.24136/oc.3082</a>

Result language

angličtina

Original language name

From intention to action: Understanding bank credit access through the lens of the theory of planned behavior

Original language description

Research background: Bank credit access plays a determining role in enterprises’ financial growth, competitiveness, and internationalization. However, most entrepreneurs are afraid of being rejected from their credit applications due to financial disadvantages that reduce their probability of receiving credits. To minimize credit access concerns, their entrepreneurial behaviors that are included in the Theory of Planned Behavior (TPB), such as personal attitude (PA), perceived behavioral control (PBC), and subjective norm (SN), might be a good solution. However, depending on cultural differences, their attitudes regarding these factors might change, which also causes changes in firms’ probability of receiving credit. Purpose of the article: This research aims to examine whether the impact of PA, PBC, and SN on credit access of enterprises differ depending on the countries where they do their business. Methods: The researchers investigate 1367 enterprises from different countries. These firms are selected using a purposive sampling method, and then an online questionnaire is sent to the survey respondents. Binary Logistic Regression analyses are performed for analysis purposes. Findings & value added: The results indicate that while the impact of PA on bank credit access does not differ depending on the countries where firms are located, international differences exist in the impacts of PBC and SN on the credit access of enterprises. This paper finds international differences in the impact of RBV’s intangible assets (PA, PBC, SN) on a tangible asset of RBV (financial capability) and explains these results with the factors (economic, political, legal systems) included in Institution-based View, and brings all components of both theories RBV and Institution-based View in a unique research. Financial and educational support from governments and universities for fresh graduate individuals can stimulate entrepreneurial attitudes and financing abilities of prospective entrepreneurs to overcome credit access obstacles.

Czech name

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Czech description

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Type

J_imp - Article in a specialist periodical, which is included in the Web of Science database

CEP classification

—

OECD FORD branch

50204 - Business and management

Project

—

Continuities

N - Vyzkumna aktivita podporovana z neverejnych zdroju

Publication year

2024

Confidentiality

S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů

Name of the periodical

OECONOMIA COPERNICANA

ISSN

2083-1277

e-ISSN

2353-1827

Volume of the periodical

15

Issue of the periodical within the volume

2

Country of publishing house

PL - POLAND

Number of pages

33

Pages from-to

683-715

UT code for WoS article

001266711800010

EID of the result in the Scopus database

2-s2.0-85201722369