Does SME Loan Repayment Influenced By Specific Attributes of Borrowers – A Study on Selected Banks
Keywords:
Hypothesis testing, critical factor, loan recovery, term of loanAbstract
In this article, the study is about the factors influencing SME loan repayment of borrowers. Some hypothesis has been developed to identify critical factors influencing recovery of loan. Relationships are measured on the basis of borrowers age; experience of the borrower; size of the Loan Amount; term of loan; income level, personal property and nature of business. For the study two sample private commercial banks have been chosen. Main focus of the study is given on the outcome that revealed from the hypothesis testing.
References
Survey data (Primary)
Asian Development Bank (2012). Proposed Loan People’s Republic of Bangladesh: Small and Medium-Sized Enterprise Development Project
Ahmed Kashfia. (2012). Performance Evaluation of SMEs of Bangladesh
Bangladesh Bank (2011).Prudential Regulations for Banks: Selected Issues
Cole, R.A., Goldberg, L.G. and White, L.J. (2004). The Micro Structure of Small Business Lending by Large and Small Banks, Journal of Financial and Quantitative Analysis
Karamagi, Oskar. (2011). Borrower Behavior, Relationship Lending and Credit Repayment Performance in Centenary Bank, Research report of Makerere University
Kon, Y. and Storey, D.J. (2003). A Theory of Discouraged Borrowers. Small Business Economics
Monetary Policy Department Bangladesh Bank (2014). Major Economic Indicators: Monthly Update, Volume 7
Orebiyi, J.S. (2002). “Agricultural loan repayment and its determinants in the rural credit markets of Imo state Nigeria”, International Journal of Agriculture and Rural Development, Vol. 3.
Annual report (2013): Al Arafah Islami Bank Ltd.
Annual report (2013): Brac Bank Ltd