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Microenterprises and Significant Risk Factors in Loan Process

Identifikátory výsledku

  • Kód výsledku v IS VaVaI

    <a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F70883521%3A28120%2F16%3A43874304" target="_blank" >RIV/70883521:28120/16:43874304 - isvavai.cz</a>

  • Výsledek na webu

  • DOI - Digital Object Identifier

Alternativní jazyky

  • Jazyk výsledku

    angličtina

  • Název v původním jazyce

    Microenterprises and Significant Risk Factors in Loan Process

  • Popis výsledku v původním jazyce

    Microenterprises - small companies with their own characteristic features - are a major component of the economic system, which brings positive effects on employment, increases the supply of goods and services, promotes the growth of competition in the market and performs other important functions in the economic system. Microenterprises face sufficient problems with the access to bank financing, which is a base for their sustainable growth. The aim of this paper was to define and quantify significant risk factors of microenterprises' credit financing in the current dynamic economic environment and to compare the significant position of these undertakings in relation to commercial banks by gender, education of the entrepreneur and the company's age. Our research confirmed the impact of the age of the company in the perception of the growing important of the credit risk during the crisis, and the level education of the entrepreneur in relation to the familiarity with the conditions under which the banks provide loans. All other monitored factors do not have any statistically significant impact on the monitored risk factors in the loan process. Our results show that the main problems of the micro enterprises are an absolute unfamiliarity with the credit conditions of the commercial banks across the entire spectrum of the researched groups, and their persuasion of the lending criteria to be non-transparent. entrepreneur in relation to the familiarity with the conditionsunder which the banks provide loans. All other monitored factors do not have any statistically significant impact on the monitored risk factors in the loan process. Our results show that the main problems of the micro enterprises are an absolute unfamiliarity with the credit conditions of the commercial banks across the entire spectrum of the researched groups, and their persuasion of the lending criteria to be non-transparent. Received: October, 2015 1st Revision: December, 2015

  • Název v anglickém jazyce

    Microenterprises and Significant Risk Factors in Loan Process

  • Popis výsledku anglicky

    Microenterprises - small companies with their own characteristic features - are a major component of the economic system, which brings positive effects on employment, increases the supply of goods and services, promotes the growth of competition in the market and performs other important functions in the economic system. Microenterprises face sufficient problems with the access to bank financing, which is a base for their sustainable growth. The aim of this paper was to define and quantify significant risk factors of microenterprises' credit financing in the current dynamic economic environment and to compare the significant position of these undertakings in relation to commercial banks by gender, education of the entrepreneur and the company's age. Our research confirmed the impact of the age of the company in the perception of the growing important of the credit risk during the crisis, and the level education of the entrepreneur in relation to the familiarity with the conditions under which the banks provide loans. All other monitored factors do not have any statistically significant impact on the monitored risk factors in the loan process. Our results show that the main problems of the micro enterprises are an absolute unfamiliarity with the credit conditions of the commercial banks across the entire spectrum of the researched groups, and their persuasion of the lending criteria to be non-transparent. entrepreneur in relation to the familiarity with the conditionsunder which the banks provide loans. All other monitored factors do not have any statistically significant impact on the monitored risk factors in the loan process. Our results show that the main problems of the micro enterprises are an absolute unfamiliarity with the credit conditions of the commercial banks across the entire spectrum of the researched groups, and their persuasion of the lending criteria to be non-transparent. Received: October, 2015 1st Revision: December, 2015

Klasifikace

  • Druh

    J<sub>x</sub> - Nezařazeno - Článek v odborném periodiku (Jimp, Jsc a Jost)

  • CEP obor

    AE - Řízení, správa a administrativa

  • OECD FORD obor

Návaznosti výsledku

  • Projekt

  • Návaznosti

    V - Vyzkumna aktivita podporovana z jinych verejnych zdroju

Ostatní

  • Rok uplatnění

    2016

  • Kód důvěrnosti údajů

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

Údaje specifické pro druh výsledku

  • Název periodika

    Economics and Sociology

  • ISSN

    2071-789X

  • e-ISSN

  • Svazek periodika

    9

  • Číslo periodika v rámci svazku

    1

  • Stát vydavatele periodika

    UA - Ukrajina

  • Počet stran výsledku

    17

  • Strana od-do

    43-59

  • Kód UT WoS článku

  • EID výsledku v databázi Scopus