Credit risk of SMEs: Attitudes of Czech and Slovak Entrepreneurs

Kód výsledku v IS VaVaI

<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F70883521%3A28120%2F16%3A43874311" target="_blank" >RIV/70883521:28120/16:43874311 - isvavai.cz</a>

Výsledek na webu

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DOI - Digital Object Identifier

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Jazyk výsledku

angličtina

Název v původním jazyce

Credit risk of SMEs: Attitudes of Czech and Slovak Entrepreneurs

Popis výsledku v původním jazyce

The aim of this paper is to define significant credit risk factors, quantify attitudes and evaluations of entrepreneurs in the SME segment and compare the attitudes of Czech and Slovak entrepreneurs in relation to such factors as the gender and the level of education of the entrepreneur, and the age of the company. Our research showed that Czech entrepreneurs evaluated the attitude of the commercial banks to lending to the SME segment more positively in comparison to their Slovak counterpart. This trend was also reflected when we compared the opinions of entrepreneurs by the gender, the level of education, and the age of the company. Despite of the fact that entrepreneurs in both countries agreed with the opinion that a better understanding of credit conditions improves an access to credit, the level of knowledge of credit conditions low in both countries. We found that there are statistically significant differences in the knowledge of credit conditions in relation to all monitored factors. Only 30.24% of the Czech and 33.79% of the Slovak entrepreneurs agreed with the opinion that credit conditions are transparent. No statistically significant differences in positive answers among entrepreneurs in the Czech Republic and Slovakia were identified in relation to the gender and the level of education of the entrepreneur.

Název v anglickém jazyce

Credit risk of SMEs: Attitudes of Czech and Slovak Entrepreneurs

Popis výsledku anglicky

The aim of this paper is to define significant credit risk factors, quantify attitudes and evaluations of entrepreneurs in the SME segment and compare the attitudes of Czech and Slovak entrepreneurs in relation to such factors as the gender and the level of education of the entrepreneur, and the age of the company. Our research showed that Czech entrepreneurs evaluated the attitude of the commercial banks to lending to the SME segment more positively in comparison to their Slovak counterpart. This trend was also reflected when we compared the opinions of entrepreneurs by the gender, the level of education, and the age of the company. Despite of the fact that entrepreneurs in both countries agreed with the opinion that a better understanding of credit conditions improves an access to credit, the level of knowledge of credit conditions low in both countries. We found that there are statistically significant differences in the knowledge of credit conditions in relation to all monitored factors. Only 30.24% of the Czech and 33.79% of the Slovak entrepreneurs agreed with the opinion that credit conditions are transparent. No statistically significant differences in positive answers among entrepreneurs in the Czech Republic and Slovakia were identified in relation to the gender and the level of education of the entrepreneur.

Druh

J_x - Nezařazeno - Článek v odborném periodiku (Jimp, Jsc a Jost)

CEP obor

AE - Řízení, správa a administrativa

OECD FORD obor

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Projekt

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Návaznosti

V - Vyzkumna aktivita podporovana z jinych verejnych zdroju

Rok uplatnění

2016

Kód důvěrnosti údajů

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

Název periodika

International Journal of Economics and Statistics

ISSN

2309-0685

e-ISSN

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Svazek periodika

4

Číslo periodika v rámci svazku

2016

Stát vydavatele periodika

US - Spojené státy americké

Počet stran výsledku

5

Strana od-do

186-190

Kód UT WoS článku

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EID výsledku v databázi Scopus

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