An integrated approach to financing small contractors in developing countries: A conceptual model

Eyiah, Alex K.

doi:10.1080/01446193.2001.10383095

Cited by 10 publications

(14 citation statements)

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“…Thus, they have to be very confident of the repayment ability of their borrowers. As noted earlier, contractors are perceived by banks to be lack of intention to repay loans, especially during economic downturns (Eyiah, 2001). Other than the "people" behind the firm, the industry the borrower is in also matters.…”

Section: Criterionmentioning

confidence: 96%

“…These factors include but are not limited to the number of customers, lending volume subject to a minimum return constraint, or the total profits from a range of financial products. Eyiah (2001) introduced a conceptual model specifying the success and failure factors that would affect the decisions for financing small contractors in developing countries. The model consists of variables that may either facilitate or hinder the success of bank financing decisions.…”

Section: Criteria In Credit-scoring Modelsmentioning

confidence: 99%

“…First, Eyiah (2001) introduced the bank decision model developed by UNCHS (United Nations Centre for Human Settlements) for developing countries. This model was not tested, thus providing the opportunity for the present study to explore the model by including all of the twelve variables in the theoretical framework.…”

Section: Scope Of Researchmentioning

confidence: 99%

“…Eyiah, 2001). As noted by Eyiah (2001), contractors are argued of lacking intention to repay the loans in some major credit guarantee schemes. To be successful in financial borrowing, contractors should have a better understanding on how banks evaluate loan applications.…”

Section: Introductionmentioning

confidence: 97%

See 3 more Smart Citations

Revealing bank lending decisions for contractors in Hong Kong

Chiang

Cheng

2011

International Journal of Project Management

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Section: Criterionmentioning

confidence: 96%

Section: Criteria In Credit-scoring Modelsmentioning

confidence: 99%

Section: Scope Of Researchmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 97%

See 2 more Smart Citations

Revealing bank lending decisions for contractors in Hong Kong

Chiang

Cheng

2011

International Journal of Project Management

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“…Among the different constraints identified in small business research, the issue of inaccessibility to institutional finance remains pre-eminent (Eyiah, 2001;Rogerson 1995). Freel, Carter, Tagg and Mason (2012) argue that the fact that small firms encounter credit constraints is well documented in academic literature, and this constraint hampers the formation and growth of small businesses.…”

Section: Introductionmentioning

confidence: 99%

Can Owner-Manager Characteristics Signal Small Business Loan Default Propensity?

Eresia-Eke¹

2013

JEBS

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The potential of small businesses is inhibited by a cocktail of problems of which inaccessibility to finance is pre-eminent. This problem is linked to the lenders' risk estimation, often based on financial indicators which small businesses are not adept at using to signal their performance ability. This situation, especially in South Africa, with a history of a people who were previously disadvantaged does not aid the development of small businesses that may well be the antidote for overcoming the strain of poverty and unemployment in the country. This study stems from the human capital theory and investigated possible relationships between owner-manager characteristics and loan default propensity. The aim being to unveil non-financial variables, associated with the owner-manager which could be relied upon by lenders' to estimate the loan default propensity of the small business borrower. Primary data collected in South Africa were empirically analysed for possible associations between owner-manager characteristics and loan default propensity. Results revealed business size-dependent differences in the association between certain ownermanager characteristics and business loan default propensity. The implication of this for all stakeholders is that considerations for small business lending should be sensitive to business size.

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Financial Management Practices by Small and Micro Enterprise Owners in Ghana - Evidence from the Central Region

Mbroh¹

2015

IJEFM

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In Ghana, small and micro enterprise owners (SMEOs) face a lot of business management challenges and it is alleged that they suffer, mostly, in terms of their financial management practices. Using a purposive sampling technique in a self-administered data collection, this study attempts to highlight the specific financial management practices by the selected business owners. In all, 372 SMEOs responded and this was made up of the small enterprise segment (118) and the micro enterprises (254), selected from the twenty administrative district capitals in the Central Region of Ghana. The findings show how haphazard, perhaps carelessly, the business owners have financially managed their respective enterprises. Indeed, only 13% of the respondents actually understand the meaning of financial management, and regardless of the business segment differences, majority (36%) of the respondents had misconceived that maintaining proper financial records was all that financial management meant. Further worrying, is the fact that only 13% of overall respondents were specific that they did not understand the meaning of financial management, in addition to several intriguing revelations. The study recommends stakeholder collaborative efforts involving business schools in both polytechnics and universities with relevant agencies and NGOs in building the financial management skills and capacities of the business owners. On their own, the enterprise owners have been advised to urgently take steps to acquire these relevant skills since they need and benefit most. Future research recommendations include a study on the impact of financial management on these businesses.

show abstract

An integrated approach to financing small contractors in developing countries: A conceptual model

Cited by 10 publications

References 0 publications

Revealing bank lending decisions for contractors in Hong Kong

Revealing bank lending decisions for contractors in Hong Kong

Can Owner-Manager Characteristics Signal Small Business Loan Default Propensity?

Financial Management Practices by Small and Micro Enterprise Owners in Ghana - Evidence from the Central Region

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