Relevant bibliographies by topics / Access to loans

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  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Access to loans'

Author: Grafiati
Published: 4 June 2021
Last updated: 9 February 2022

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Journal articles on the topic "Access to loans"

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Worku, Yohannes, and Mammo Muchie. "The survival of business enterprises and access to finance: the case of 4 African countries." Problems and Perspectives in Management 17, no. 1 (2019): 326–38. http://dx.doi.org/10.21511/ppm.17(1).2019.28.

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Microfinance institutions render essential services to start-up small, micro, medium-sized enterprises (SMMEs) by way of extending loans to entrepreneurs. SMMEs operating in South Africa have relatively better access to microfinance loans in comparison with those operating in Nigeria, Kenya and Ethiopia. A survey was conducted in order to compare the relative ease of access to microfinance loans in South Africa, Nigeria, Kenya and Ethiopia based on a survey conducted in the four Sub-Saharan African countries. The ease of access to microfinance loans was assessed based on criteria defined by Barry and Tacneng (2014). A total of 401 SMMEs participated in the study. Loan applicants were asked to provide answers to questions that indicated the ease of securing loans and meeting loan repayment conditions. Emphasis was placed on the demand for collateral as a requirement for extending loans to applicants, the assessment of entrepreneurial and auditing skills of loan applicants, the difficulty of meeting loan repayment conditions, and adherence to regulations and guidelines recommended by governments. Descriptive, bivariate and multivariate methods of data analyses were used for data analyses. The study found that about 21% of SMMEs were satisfied with the ease of securing loans, whereas the remaining 79% of SMMEs did not. The ease of access to microfinance loans varied by country in which South African loan applicants were the most satisfied in comparison with the remaining three countries. Securing microfinance loans, as well as fulfilling loan repayment conditions were easiest in South Africa, and most difficult in Ethiopia. In terms of ease of securing loans and meeting loan repayment conditions, the order of nations was ranked as South Africa, Nigeria, Kenya and Ethiopia. In all four countries, the ease of access to microfinance loans was influenced by country of business operation, extent of benefits realized by SMMEs, and highest level of formal education.
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Suryani, Embun Suryani, Sri Wahyulina, and Siti Aisyah Hidayati. "Akses Usaha Kecil dan Mikro (UKM) terhadap Kredit Usaha Rakyat (KUR) dan Dampaknya terhadap Perkembangan Usaha: Kasus UKM di Kota Mataram." JURNAL SOSIAL EKONOMI DAN HUMANIORA 5, no. 2 (2019): 186–202. http://dx.doi.org/10.29303/jseh.v5i2.61.

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Small and Micro Enterprises (SMEs) have a significant role for Indonesia's gross domestic product and employment. However, most SMEs face capital constraints and limited access to formal financial institutions. Kredit Usaha Rakyat (KUR) Fund is one of the credit programs established by the Indonesian Government to overcome capital constraints on SMEs. The study aims to analyze the ability of SMEs to access the KUR loans and the loan’s impact on business development. Primary data was obtained from interviews of 40 respondents who are SMEs in Mataram City. Ability to access the KUR loans was analyzed by logistic regression method while Ordinary Least Square (OLS) was employed to analyze the impact of KUR loans on business development. The result of logit regression shows that the variable of savings and sales influence the ability of SME to access the KUR loan. The KUR funds granted are able to increase SME's sales value by 82.03 percent from 3.47 billion rupiah to 6.31 billion rupiah per year. Based on the OLS analysis, the ability of SMEs to access capital derived from KUR funds has a positive and significant impact on the value of SME business development
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Mbowe, Wilfred E., Fredrick R. Shirima, and Deogratius Kimolo. "Role of Financial Innovation in Enhancing MSMES Access to Credit: An Empirical Investigation on Tanzania." Applied Economics and Finance 7, no. 3 (2020): 126. http://dx.doi.org/10.11114/aef.v7i3.4777.

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This study assesses the extent to which financial innovations contribute to improving micro small and medium enterprises (MSMEs) access to credit in Tanzania. Information was collected through interviews using a structured questionnaire administered on a sample of 318 respondents. Probit estimates were used for robustness check of the factors that influence MSMEs borrowing behavior.The findings indicate that factors, which influence MSMEs to borrow money through innovative channels, comprise the need for meeting business start-up, operational and expansion costs. Other factors are in respect of ease of access; convenience; short loan process; and a relatively high degree of control of the loan process by the borrower. In contrast to progress made in improving access to financial services by MSMEs, loan access by individuals or businesses through innovative platforms is still low. Only 28.8 percent acknowledged having received loans through innovative platforms, and coefficient on innovation variable was found to be statistically insignificant. Explaining this anomaly include unfavorable terms of loans; high lending rates, inadequate knowledge; small-size loans; and short repayment period. Meanwhile, loan process time, loan size, loan access (distance) have a higher probability of increasing loan access by MSMEs.Therefore, there is a need to intensify measures towards enhancing MSMEs access to credit, taking advantage of available innovative platform channels. Increasing efforts towards reducing credit risk will help to lower the lending rates, while moral suasion measures by financial regulators together with borrowers’ traceable business-record can as well entice loan providers to offer loans of larger size and longer maturity. Meanwhile, capacity building is imperative in enabling MSMEs to acquire requisite business management skills and inculcate record-keeping culture. Equally crucial is enhancing measures towards maintaining the country’s macro-economic stability with a view to boosting demand for credit and improving MSMEs’ loan repayment capabilities.
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M Fahmy, Obaid, M. Rustam, and Evi Asmayadi. "Pengaruh Keuangan Inklusif Terhadap Kredit yang Disalurkan pada Sektor Usaha Mikro, Kecil dan Menengah di Indonesia." Jurnal Ekonomi Bisnis dan Kewirausahaan 5, no. 2 (2016): 118. http://dx.doi.org/10.26418/jebik.v5i2.17145.

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This research is a quantitative study which aims to find out the effect of financial inclusion(banking access dimension and banking service usage dimension) on loans channeled to theMicro Small and Medium Sized Enterprises (MSMEs) sector in Indonesia. The variables used inthis research were loans channeled to the MSMEs as dependent variable, and successivelybanking access dimension and banking service usage dimension as the independent variables.Using the purposive sampling method, a total of 33 provinces in Indonesia were selected as thesamples with an observation period from 2010 to 2013. LDR (Loan to Deposit Ratio) and NPL(Non Performing Loan) were used as the control variables. Simultaneously there was a positiveand significant effect of banking access dimension, banking service usage dimension, and LDRon loans channeled to the MSMEs sector, while NPL had a negative but insignificant effect.
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TEIXEIRA, AURORA A. C., and HALIMA ABDI SHARIFU. "FEMALE ENTREPRENEURSHIP AND ACCESS TO BANK LOANS IN TANZANIA: A DOUBLE-HURDLE MODEL APPROACH." Journal of Developmental Entrepreneurship 22, no. 03 (2017): 1750019. http://dx.doi.org/10.1142/s1084946717500194.

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The present study assesses the perceptions of female entrepreneurs in Tanzania regarding the access to bank loans and the difficulties experienced in the process of financing their businesses. Focusing on small-scale businesses, face-to-face interviews were conducted with 75 female entrepreneurs from the Dar es Salaam area. Resorting to double-hurdle estimation models, we conclude that: 1) women who perceive higher discrimination and/or inequality in accessing bank loans, but who also recognize that female entrepreneurs often lack relevant business skills, tend to apply more often for bank loans; 2) women running larger business, operating in the tailoring industry, face fewer difficulties; 3) although highly educated female entrepreneurs apply less for bank loans, formal education acts as a shield to the difficulties faced by women when applying to bank loans; 4) more autonomous and money seeking female entrepreneurs are less likely to report difficulties during the bank loan application process.
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H. Rubin, Tzameret, and Nir Ben-Aharon. "Additionality of government guaranteed loans for SMEs in Israel." Journal of Economics and Finance 45, no. 3 (2021): 504–28. http://dx.doi.org/10.1007/s12197-021-09538-8.

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Abstract The study examines the Israeli Government Loans for SMEs in 2015. Our findings are based on three surveys. A business survey of 384 businesses that were granted a Government loan, a business survey of 99 businesses that were granted loans but decided not to take them and a survey of 50 loan consultants who advised those businesses about their eligibility and the Terms and Conditions of the loans. We tested Loan Adjusted Additionality and Loan Baseline Additionality and found that 53% of loans taken from the Government Loans Foundation (GLF) are additional loans. SMEs would not have taken a loan, or any part of one, if not for the Government Loans Foundation Scheme. Our contribution to the literature is by including Indirect Additionality, demonstrating the importance of the GLF Scheme, not only by assisting SMEs in their financial planning and growth but also, by signalling early stage business resilience, reducing the risks for commercial banks through regulated, financial due diligence. This outcome expands the pool of SMEs which have access to free market loans and has the potential to improve their survival rate, thus fostering economic growth.
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Nguyen, Ngoc Nhan Nhu, and Chinh Duc Pham. "FACTORS AFFECTING ACCESS TO FORMAL CREDIT BY SMALLHOLDER FARMERS IN AN GIANG PROVINCE." Science and Technology Development Journal 18, no. 1 (2015): 28–39. http://dx.doi.org/10.32508/stdj.v18i1.1017.

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This study was conducted to determinefactors that affect the access to formal credit by smallholder farmers in An Giang province. Applying binary logistic regression analysis on a sample of 210 households, we found that the access to formal credit by these households are affected by five factors, namely total value of household assets, participation in organizations, demand for loans from credit institutions, loan guarantees and accumulated income, in which the demand for loans has the greatest impact. From the regression results, we built a model to forecast the access to formal credit by households with 93.8%. precise forecastprobability.
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Rana, Kanika, and Brinda Viswanathan. "Patterns of Access to Microfinance Loans in India." Review of Development and Change 24, no. 2 (2019): 259–79. http://dx.doi.org/10.1177/0972266119886677.

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Due to various supply and demand factors, households in developing countries may borrow from a single source or combination of sources—formal, informal and microfinance institutions (MFI). Who is accessing what types of loan sources? This study uses Indian Human Development Survey (2011–2012) to analyse, for the first time, households accessing microfinance loans either alone (8%) or in combination with other sources (13%). We find that the more developed southern states have the highest MFI-linked borrowers (39%). Despite the low overall share of MFI borrowing, microfinance supports inclusiveness with higher presence among the economically disadvantaged and socially underprivileged, such as female-headed, casual labour, Other Backward Classes and dalit households. Expectedly, the effects of social networking are more pronounced among MFI-linked borrowers.
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Chepkwony, Kenneth, Hillary Bett, and Kenneth Waluse Sibiko. "Determinants of Table Banking Loan Utilization among Micro Agri-Enterprises Owners in Bomet County, Kenya." International Journal of Current Aspects 3, no. II (2019): 145–58. http://dx.doi.org/10.35942/ijcab.v3iii.12.

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Micro Agri-enterprises (MAEs) play a key role in economic development of Kenya. However, without finance they need to invest, their performance is stifled. Table banking (TB) strategy is an avenue through which MAE owners pool finances together, access credit and business development services. The study objective was to determine factors influencing utilization of table banking loans among MAE owners participating in table banking in Bomet County. Multi-stage sampling technique was used to select a sample of 382 MAE owners who borrowed long-term loans between 2015 and 2016 from TB groups promoted by Joyful women organization (JoyWO). Semi-structured questionnaires were used to collect primary data. Utilization of TB loans was measured by the amount of TB loan invested in MAE to the total amount of loan borrowed from TB within the study period. Two-limit Tobit model was used to analyse data. Entrepreneurship training received from TB program officers was found to have a positive and significant influence on utilization of TB loans. Location of agri-enterprise, agri-enterprise age and size were other factors found to influence utilization of TB loans positively and significantly. However, gender of MAE owners was found to have a negative and significant influence on utilization of TB loans. To boost utilization of table banking loans among MAE owners, table banking programme officers should tailor entrepreneurship and agribusiness trainings to meet the specific needs required by MAEs owners operating at different stages in the agricultural value chain.
 This is an open-access article published and distributed under the terms and conditions of the Creative Commons Attribution 4.0 International License of United States unless otherwise stated. Access, citation and distribution of this article is allowed with full recognition of the authors and the source.
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The Dong, Phung, and Nguyen Thi Hong Nham. "The factors affecting accessibility to credit capital of small and medium enterprises in Vietnam." Statistics and Economics 15, no. 6 (2019): 15–25. http://dx.doi.org/10.21686/2500-3925-2018-6-15-25.

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The difficulty in accessing loans is one of the major barriers to the development of small and medium enterprises (SMEs) in Vietnam. Low accessibility to capital forces SMEs to spend both official and unofficial costs in order to obtain loans, and/or to access the unofficial market at higher interest rates, thereby increasing cost of production of enterprises. Studies suggest that the determinants of bank loan processing through which small and medium enterprises can access official loans include: characteristics of enterprises; indicators, reflecting the performance of enterprises; characteristics of loans; characteristics of enterprises, enterprise owners; geographical position of enterprises; the creditworthiness of enterprises and the role of the network.Purpose of the study.The aim of this paper is the quantitative analysis of the factors, affecting accessibility to credit capital of small and medium enterprises in Vietnam.Materials and methods.This study was conducted on the basis of a survey in December 2017. The survey includes 301 enterprises in Hanoi city. Selected enterprises are also enterprises, surveyed in the annual enterprise survey by the General Statistics Office of Vietnam. This paper uses the Probit and Logit regression approach to estimate the impact of factors, affecting the disbursement probability of a loan of an enterprise. The number of SMEs accounts for 56.69% of the samples. The number of enterprises, applying for a bank loan accounts for 58.4% of the total samples, of which the percentage of disbursed loans for SMEs accounts for only 47.3%. For enterprises without a bank loan, eliminating the reasons for the lack of demand and unwish to be in debt, the main reasons not to access bank loans are high interest rates, complicated loan procedures and insufficient collateral.Results.The results obtained from the Logistic and Probit models show that the estimated coefficients are statistically significant, affecting the probability of taking a business loan, accepted by financial institutions. Although the coefficients, estimated from Logistics model are larger than those estimated from the Probit model, the estimated results show that the direction of impact of the variables in two estimation techniques gives quite similar results.Conclusion.Based on the results of this study, the Government of Vietnam should implement policies to support SMEs in the direction of improving their access to capital. The credit institutions should design products and services suitable to the characteristics of SMEs in Vietnam.
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Dissertations / Theses on the topic "Access to loans"

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Ahmed, Saleh. "Strategies to Access Business Loans for Small and Medium Enterprises in Jordan." ScholarWorks, 2019. https://scholarworks.waldenu.edu/dissertations/7907.

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Abstract Business financing is crucial to the development and performance of small and medium enterprises (SME) in developing countries. Obtaining loans by SMEs in Jordan is vital for creating employment, reducing poverty ratio, and augmenting SMEs growth. The purpose of this qualitative multiple case study was to discover strategies SME owners use to access credit. The population comprised of 3 SME owners in Jordan who successfully accessed credit. The conceptual frameworks for this study were the social capital theory and the pecking order theory. Data were gathered using semistructured interviews and companies' archived records. Data were analyzed using thematic analysis; three themes emerged to include sources of finance, education and skills, and social networking. The implications for positive social change include the potential to help SME leaders develop strategies to stabilize and grow their businesses. Business growth can create jobs and decrease poverty in Jordan.
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Garcia-De, la Cruz Marisol. "Impact Of Access To Formal Deposit Facilities And Loans On Schooling: Evidence From Rural Households In Mexico." Columbus, Ohio : Ohio State University, 2008. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1222125316.

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Buck, Steven. "The Role of Trust in Knowledge Acquisition, Technology Adoption and Access to Bank Loans: Results from Field Experiments in the Ecuadorian Amazon." Thesis, Virginia Tech, 2006. http://hdl.handle.net/10919/32182.

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Ecuadorian farmers do not play the investment game (Berg 1995) the same with community farmers as they do with agricultural technicians. Women exhibit a preference for trust in agricultural technicians (vertical trust). Using experimental and survey data from 191 farmers we examine factors associated with 1) farmer trust in community farmers, 2) farmer trust in agricultural technicians, and 3) differences between levels of trust in agricultural technicians and community farmers. Then we explore how our measures of trust correlate with pesticide knowledge and purchase of pesticide safety equipment; in addition, we consider how our measures of trust correlate with accessing bank loans. Farmers who place more trust in community farmers score lower on our pesticide knowledge exam and they are less likely to adopt our pesticide safety equipment technology. We find that farmers who exhibit a preference for trusting agricultural technicians score higher on our pesticide knowledge exam; they are also more likely to report having accessed a bank loan.<br>Master of Science
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Dunga, Steven Henry. "The channels of poverty reduction in Malawi : a district level analysis / Steven Henry Dunga." Thesis, North-West University, 2014. http://hdl.handle.net/10394/10629.

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The study investigated on the channels of poverty reduction in Malawi, using household data aggregated at district level. Malawi is divided into 31 districts with different demographics and opportunities. Macro level data which was calculated in terms of district percentages were used in the study. The study emanated from the premise of the link between economic growth and poverty reduction. With the trend of growth that was seen in Malawi from 2004 to 2012; there was an interest to further investigate if there had been any significant change in the poverty levels as measured in the country by the National Statistical office. The objectives of the study were two pronged; the theoretical and the imperial. The theoretical objectives were; to provide a background of Malawi, to review the literature on poverty theories, to review the literature on the link between poverty reduction and the channels of potential impact, namely: economic growth, education attainment, access to loans and enterprises, agricultural production, population growth and employment or unemployment. The empirical objectives on the other hand were; to investigate if there has been any poverty reduction in the years 1998 to 2012 in Malawi, to assess how economic growth at a district level proxied by agriculture production and land holding affect poverty at district level in Malawi, to assess how education attainment affect poverty reduction at a district level in Malawi, conduct an analysis on how employment or unemployment affect poverty reduction at a district level. Also investigate the relationship between access to loan and poverty reduction in Malawi and to determine if different poverty measures exhibit statistically significant different responses to channels under investigation namely economic growth, education levels, population growth and access to loans at district level. The study employed descriptive and regression analysis to arrive at the results for the set empirical objectives. Due to the fact that panel data was used for districts, a random effects regression model was used for the estimations. A Breusch-Pagan test was used to decide on random effects as opposed to fixed effects model. The results from the regressions showed that all the channels that were hypothesised to be of importance, came out significant from objective based regressions. These regressions were run separately for each channel, with the district poverty rate as a dependent variable. The study found the considered channels of poverty reduction to be significant at different levels. First, it was established that there has been significant growth in Malawi. This growth however was seen to be erratic where in other years it was higher and in other years lower. A more important conclusion from the first objective was that there had been poverty reduction in the country between 1998 and 2012. A t test was also used for mean difference in the years where Integrated Household surveys were conducted namely, 1998, 2004 and 2012. The t-test showed a statistically significant reduction in poverty between 1998 and 2012 of up to 15.07. The study also found that the relationship between agricultural production and poverty was significant especially looking at local maize production which had a negative significant coefficient. Implying that, an increase in agricultural production has an associated reduction in the district poverty rate. It was also established from the results that input subsidy had a significant impact on poverty at district level. This input programme which helps poor households to access fertilizer at a highly subsidised price had a negative relationship with poverty that was significant. This shows that government’s effort in funding the national wide fertilizer subsidy has some bearing on the poverty level of the country. On the relationship between education and poverty reduction, the study also found a significant relationship. This was clear on the impact of literacy rate on poverty reduction. The regression results showed a significant negative relationship between literacy rate and poverty reduction. The channels of employment in poverty reduction was found to be significant but in a direction unexpected. Labour force participation had a positive influence on poverty rate at district level. A number of things were discovered; first the employment rate as reported in the statistical year book is misleading. What is considered employment in these statistics is basically subsistence farmers who take up more than 80% of the employment rate. Second, most of what is recorded as employment is non-skill labour with people without education recoding a 99% employment rate. This is a misleading record in as far as what employment for poverty reduction is concerned. It is therefore not a surprise that, most of the people reported as employed are also found below the poverty line some even below the ultra-poverty line. A special contribution resulting from the study is the framework on the interconnection between the channels. The study points out the fact that for agricultural production to thrive there is need for education. Also for agricultural production to succeed there is need for the farmers to have access to loans. the study discovered that more than 45 percept of the loans people obtained were for agricultural inputs. There is also a link between education and employment, education and access to loans and access to loans and employment through business start-ups that create employment. The conclusion of the study is that policies that are intended to reduce poverty should be aimed at promoting education participation. There is also need to create an environment that enables the poor to access loans and credits at a reasonable interest rate. The government should continue with the input subsidy programme for the poor household. There is need for the national statistical office to reconsider the definition of employment so that the government works with practical figures, other than the inflated employment rates that are reported in the statistical year book.<br>PhD (Economics), North-West University, Vaal Triangle Campus, 2014
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Farias, Abmael da Cruz. "Políticas públicas de acesso à educação superior, beneficiários, objetivos e resultados, em Vitória da Conquista: FIES e PROUNI." Pontifícia Universidade Católica de São Paulo, 2010. http://tede2.pucsp.br/handle/handle/3037.

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Made available in DSpace on 2016-04-25T20:23:06Z (GMT). No. of bitstreams: 1 Abmael da Cruz farias.pdf: 2997530 bytes, checksum: d71e9cc245d62ad2ecb029c42c1c0495 (MD5) Previous issue date: 2010-05-24<br>The objective of this paper is to study public policies regarding higher education, beneficiaries, objectives, and results in Vitória da Conquista, Bahia for the year of 2008: FIES (Student Loans Program) and PROUNI (Program of Higher Education for All). This paper focuses on undergraduate studies and attempts to evaluate these programs in terms of their efficiency and effectiveness as they have facilitated access for millions of Brazilians with repercussions pertaining to students´ income and availability of financial resources. This assessment is unprecedented and aims at producing data for these programs. Findings can be used by decision makers, both to draw up and implement policies, as well as by the program beneficiaries. This study raises the hypothesis that these programs have been both effective and efficient in democratizing students´ access to higher education by considering them as citizens or consumers, a situation that was made possible with the democratization of educational services to higher education institutions. These ideas were confirmed by this research through analysis of the documentation of the education institutes participating in the study, information posted on their official websites, and applied questionnaires. Therefore, this study is exploratory in nature and incorporates information collected through literature as well as documentation from which both quantitative and qualitative data were produced. Debates around this issue rise from the analysis of the relationship between public and private spaces and also involve issues related to social justice, democratization of opportunities, citizenship, and gratuity on the one hand and consumption and payment on the other hand, all related to higher education<br>Esta dissertação tem como objeto de estudo as políticas públicas em educação superior, beneficiários, objetivos e resultados, em Vitória da Conquista, Bahia, em 2008: FIES e PROUNI, priorizando o ensino de graduação presencial, buscando avaliar tais programas, sob o aspecto da eficácia e efetividade. Isso se justifica porque eles têm facilitado o acesso de milhões de brasileiros, atuando sobre a renda e disponibilidade de recursos dos estudantes. Essa avaliação é uma tarefa inédita e visa produzir informações sobre esses programas. Elas podem ajudar à tomada de decisão de quem os elabora e aplica ou de quem deles se beneficia. Este estudo levanta as hipóteses de que esses programas têm sido eficázes e efetivos na democratização do acesso a educação superior para os estudantes, tratando-os, alternadamente, como cidadãos ou consumidores; o que se tornou possível com a democratização da prestação de serviços educacionais de terceiro grau para as instituições de ensino superior. Hipoteses que se confirmaram como resultado da pesquisa. Ao responder as questões propostas foram analisados documentos das instituições, além de sitios oficiais e questionários aplicados. Esta pesquisa tem, portanto, carater exploratório, incorporando ainda, levantamentos de natureza bibliográfica e documental, a partir dos quais se produziu informações com características quantitativas e qualitativas. Os debates sobre esse tema originam-se a partir da análise da relação entre os espaços públicos e privados, tocando ainda na questão da justiça social, democractização das oportunidades de vida, cidadania e gratuidade, de um lado, consumo e pagamento, do outro. Todos ligados a educação superior
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Serras, Sara Isabel Garrido. "Determinantes do acesso a financiamento bancário para as PME da zona Euro : comparando os casos português e alemão." Master's thesis, Instituto Superior de Economia e Gestão, 2014. http://hdl.handle.net/10400.5/7734.

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Mestrado em Economia Internacional e Estudos Europeus<br>Considerada por muitos um factor de agravamento do fosso entre os países periféricos e os do núcleo da ZE, vários autores têm-se debruçado sobre as repercussões da crise financeira global no acesso das PME a financiamento externo. Através duma análise comparativa incidente nos casos português e alemão, o presente TFM aborda esta questão, analisando a evolução dos empréstimos bancários para as PME destes dois países, e tenta descortinar quais as determinantes que podem justificar as diferenças observadas nos dois momentos temporais identificados na investigação, nomeadamente em 2008/2009 e em 2011/2012. Os dados secundários utilizados sugerem que a evolução do nível de actividade económica é a variável que melhor parece explicar a evolução dos empréstimos em ambos os países. Contudo, verifica-se alguma restrição do lado da oferta de empréstimos para as PME portuguesas, não observável na Alemanha. Esta constatação evidencia a maior dificuldade de PME portuguesas viáveis se financiarem a condições favoráveis à recuperação económica e crescimento sustentável deste país.<br>Considered by many a contributing factor to the widening of the gap between peripheral countries and the ones from the EA core, several authors have been focusing on the impacts of the global financial crisis in SME access to external financing. Using a comparative analysis based on the Portuguese and German cases, this master thesis studies this problem, analyzing the evolution of bank loans for SME from these countries, while trying to encounter the root causes of the observed differences between the two time periods considered in the investigation, namely the years of 2008/2009 and 2011/2012. The secondary data used suggests that the evolution of the level of economic activity is the variable that better seems to explain the evolution of loans in both countries. However, there are some restrictions in loan approvals for Portuguese SME, which are not verified in the German side. This fact reinforces the greater difficulty of viable Portuguese SME in obtaining financing, in conditions favorable to the economic recovery and sustainable growth of Portugal.
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Morrison, Heather. "The dramatic growth of open access : implications and opportunities for resource sharing." Haworth Press, 2006. http://hdl.handle.net/2429/953.

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The Open Access movement seeks to make scholarly, peer-reviewed journal articles freely available to anyone, anywhere over the World Wide Web. There were some very significant developments in the area of Open Access (OA) in 2004, including statements by major funders in support of Open Access. There are now so many Open Access scholarly journal articles freely available, that, in the author’s opinion, being aware of, and using, the resources and related tools is now essential for libraries. Libraries can provide more resources faster for users by supplementing paid resources with ones that are Open Access. Library resources, such as link resolvers, are beginning to incorporate Open Access materials and web searches for Open Access materials. For example, the reSearcher software suite includes Open Access collections along with subscription-based resources in the CUFTS journals knowledgebase, and a web search for an Open Access copy of an article in the GODOT link resolver. SFX also incorporates Open Access journals. After exhausting more traditional resources, interlibrary loans staff are beginning to include Google searching in their workflow. This article will discuss what Open Access is, the dramatic growth of Open Access, and major collections, resources and tools. Implications, issues, and leadership opportunities for resource sharing specialists will be explored.
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Heshmati, Nastaran. "The impact of networking on access to bank finance for SMEs : Comparison of Iran and Sweden." Thesis, Högskolan i Halmstad, Sektionen för ekonomi och teknik (SET), 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:hh:diva-23605.

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Access to financial resources is considered to be the most constraining feature for small and medium enterprises (SMEs). Many researchers describe networking as an essential factor for accessing a bank loan as SMEs seek to access to resources for development. Thus, the objective of this paper is, describe the network impact on accessing a bank loan in Iran and Sweden as well as the similarities and differences in the Iranian and Swedish lending process. Lack of literature in this field was the main reason for choosing one developed and one developing country. Based on the theory which is developed by the author, the impact of networking on accessing a bank loan is examining. Multiple case studies were implemented to gather the necessary information. By interviewing personnel in eight banks in Iran and Sweden and eight SMEs in both countries, this study was conducted. The results reveal that social and official networking could provide easier access to a bank loan in both countries. In addition, only in Sweden would networking with a manager of customer influence the outcome. Further, the results indicate that the principle of the lending process is the same in both countries. The main differences in the lending process are included the interest rate, the number of decision makers and supporting different sectors.
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Chattopadhyay, Jacqueline. "Representation and Household Risk Exposure: Attention to Access and Quality in Domestic Policy." Thesis, Harvard University, 2012. http://dissertations.umi.com/gsas.harvard:10196.

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This project defines a concept, “attention to quality,” and proposes that legislative attention to quality is a dependent variable that political science can use to evaluate the content of representation the political system offers, specifically to trace a means by which politics may influence household exposure to financial risk and possibly income inequality. Upstream of regulation or other formal policy solutions, attention to quality is observable consideration of the possibility that a good poses risk, or fails to shield consumers from risk, due to features of its own design. The project studies congressional attention to quality for three privately-vended, middle-class goods with the capacity to impact household risk exposure: health insurance, home loans, and prescription drugs. It also examines attention to quality in risk-modulating pieces of the welfare-state, taking Medicare as an example. The project explicitly contrasts attention to quality with attention to access for each good. Second, based on original datasets, this project reports robust evidence that legislative attention to access exceeds legislative attention to quality for the privately vended goods, particularly insurance and loans. It finds the reverse true of welfare-state goods. In doing so, the project contributes new quantitative evidence to the emergent body of research in American politics on how political processes, as opposed to strictly the macro-economy, may influence household financial insecurity. Third, the project makes progress in uncovering the underpinnings of quality attention. It finds senator attention to quality linked to partisan considerations—particularly the other political party’s degree of dominance in quality talk—in ways that appear to depress quality attention for privately-vended goods but buoy it for welfare-state goods. Quality’s visibility to the public appears to heighten the degree to which legislators consider the other party’s degree of dominance in quality talk when deciding whether to give quality attention. These patterns occur against a backdrop of what appears to be electorally-minded access attention: incumbents attend to the access facet of privately-vended goods as reelection dates approach, while not exhibiting such behavior around the quality facet. These findings have implications for research on congressional agenda setting and representation.
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Wang, Xueke. "Does visual access when lifting unstable objects affect the biomechanical loads experienced by the spine and shoulders." The Ohio State University, 2017. http://rave.ohiolink.edu/etdc/view?acc_num=osu1492722421190945.

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Books on the topic "Access to loans"

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Illinois. Department of Commerce and Community Affairs. Capital access program. Illinois Dept. of Commerce and Community Affairs, 1996.

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Drinkwater, Michael. Loans and manure: The dilemma of access. Dept. of Agricultural Economics & Extension, Faculty of Agriculture, University of Zimbabwe, 1987.

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Baker, Shirley K. Maximizing access, minimizing cost: A first step toward the information access future. Association of Research Libraries, 1993.

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Dawes, Trevor A. Access services. Association of Research Libraries, Office of Management Services, 2005.

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Dawes, Trevor A. Access services. Association of Research Libraries, Office of Management Services, 2005.

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Illinois. Dept. of Commerce and Economic Opportunity. Capital Access Program. Illinois Dept. of Commerce and Economic Opportunity, 2003.

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Oketch, Henry Oloo. Why do some K-REP clients access multiple loans? K-REP, 1996.

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Hostland, Doug. Low-income countries' access to private debt markets. World Bank, 2009.

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Gelos, Gaston. Sovereign borrowing by developing countries: What determines market access? International Monetary Fund, Western Hemisphere Dept., 2004.

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Public, Libraries Local Government Re-organisation and Interlending Services Project. Access strategy: Framework for future development of interlending services. Development Funding for Public Libraries, 1997.

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Book chapters on the topic "Access to loans"

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Denniss, Richard. "The Role of Contingent Loans in Providing Equitable Access to Legal Aid." In Income Contingent Loans. Palgrave Macmillan UK, 2014. http://dx.doi.org/10.1057/9781137413208_13.

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Wild, Robert, Moses Egaru, Mark Ellis-Jones, et al. "Using Inclusive Finance to Significantly Scale Climate Change Adaptation." In African Handbook of Climate Change Adaptation. Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-42091-8_127-1.

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AbstractReversing land degradation and achieving ecosystem restoration and management are routes to climate change adaptation and mitigation. The financial resources to achieve this are increasingly available. A major challenge is the absence of scalable mechanisms that can incentivize rapid change for rural communities at the decade-long time scale needed to respond to the climate emergency. Despite moves toward inclusive green finance (IGF), a major structural gap remains between the funding available and the unbankable small-scale producers who are stewards of ecosystems. This paper reports on inclusive finance that can help fill this gap and incentivizes improved ecosystem stewardship, productivity, and wealth creation. A key feature is the concept of eco-credit to build ecosystem management and restorative behaviors into loan terms. Eco-credit provides an approach for overcoming income inequality within communities to enhance the community-level ecosystem governance and stewardship. The paper discusses the experience of implementing the Community Environment Conservation Fund (CECF) over a 8-year-period from 2012. The CECF addresses the unbankable 80% of community members who cannot access commercial loans, has c. 20,000 users in Uganda and pilots in Malawi, Kenya, and Tanzania. The model is contextualized alongside complementary mechanisms that can also incentivize improved ecosystem governance as well as engage and align communities, government, development partners, and the private sector. This complementary infrastructure includes commercial eco-credit as exemplified by the Climate Smart Lending Platform, and the community finance of the Village Savings and Loans Associations (VSLA) model upon which CECF builds. The paper describes the technologies and climate finance necessary for significant scale-up.
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Wild, Robert, Moses Egaru, Mark Ellis-Jones, et al. "Using Inclusive Finance to Significantly Scale Climate Change Adaptation." In African Handbook of Climate Change Adaptation. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-45106-6_127.

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AbstractReversing land degradation and achieving ecosystem restoration and management are routes to climate change adaptation and mitigation. The financial resources to achieve this are increasingly available. A major challenge is the absence of scalable mechanisms that can incentivize rapid change for rural communities at the decade-long time scale needed to respond to the climate emergency. Despite moves toward inclusive green finance (IGF), a major structural gap remains between the funding available and the unbankable small-scale producers who are stewards of ecosystems. This chapter reports on inclusive finance that can help fill this gap and incentivizes improved ecosystem stewardship, productivity, and wealth creation. A key feature is the concept of eco-credit to build ecosystem management and restorative behaviors into loan terms. Eco-credit provides an approach for overcoming income inequality within communities to enhance the community-level ecosystem governance and stewardship. The paper discusses the experience of implementing the Community Environment Conservation Fund (CECF) over a 8-year-period from 2012. The CECF addresses the unbankable 80% of community members who cannot access commercial loans, has c. 20,000 users in Uganda and pilots in Malawi, Kenya, and Tanzania. The model is contextualized alongside complementary mechanisms that can also incentivize improved ecosystem governance as well as engage and align communities, government, development partners, and the private sector. This complementary infrastructure includes commercial eco-credit as exemplified by the Climate Smart Lending Platform, and the community finance of the Village Savings and Loans Associations (VSLA) model upon which CECF builds. The paper describes the technologies and climate finance necessary for significant scale-up.
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Kinoshita, Fumiya, Kosuke Fujita, Kazuya Miyanaga, Hideaki Touyama, Masumi Takada, and Hiroki Takada. "Analysis of Electrogastrograms During Exercise Loads." In Universal Access in Human-Computer Interaction. Virtual, Augmented, and Intelligent Environments. Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-92052-8_22.

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Dreseler, Markus, Timo Gasda, Jan Kossmann, Matthias Uflacker, and Hasso Plattner. "Adaptive Access Path Selection for Hardware-Accelerated DRAM Loads." In Lecture Notes in Computer Science. Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-92013-9_1.

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Moro, Andrea, Daniela Maresch, Annalisa Ferrando, and Julia Barbar. "Neither a Borrower Nor a Lender Be! Loan Application and Credit Decision for Young European Firms." In Access to Bank Credit and SME Financing. Springer International Publishing, 2016. http://dx.doi.org/10.1007/978-3-319-41363-1_2.

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Shevchenko, Dmitry, and Ellah Igoche Godwin. "The Effects of Behavioral Factors on the Creditworthiness of Small-Scale Enterprises." In Advances in Finance, Accounting, and Economics. IGI Global, 2018. http://dx.doi.org/10.4018/978-1-5225-3767-0.ch006.

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This chapter uses the relationship between behavioral factors and the creditworthiness of small-scale enterprises to increase access of SMEs to credit facilities. The inability of several small businesses to secure loans cannot be overemphasized. Heuristics affecting entrepreneurs are explained in this chapter, and a regression model showing the dependence of creditworthiness on behavioral factors is proposed. If banks consider using psychometric tools in testing for creditworthiness of small-scale entrepreneurs, access to credit facilities will be significantly increased and businesses will flourish. Regressesion models such as the one explained in this chapter may be imbedded in psychometric tools to enhance creditworthiness testing and improve the quality of loans that banks give.
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Shevchenko, Dmitry, and Ellah Igoche Godwin. "The Effects of Behavioral Factors on the Creditworthiness of Small-Scale Enterprises." In Research Anthology on Small Business Strategies for Success and Survival. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-9155-0.ch018.

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This chapter uses the relationship between behavioral factors and the creditworthiness of small-scale enterprises to increase access of SMEs to credit facilities. The inability of several small businesses to secure loans cannot be overemphasized. Heuristics affecting entrepreneurs are explained in this chapter, and a regression model showing the dependence of creditworthiness on behavioral factors is proposed. If banks consider using psychometric tools in testing for creditworthiness of small-scale entrepreneurs, access to credit facilities will be significantly increased and businesses will flourish. Regressesion models such as the one explained in this chapter may be imbedded in psychometric tools to enhance creditworthiness testing and improve the quality of loans that banks give.
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Etim, Alice, David N. Etim, and George Heilman. "Gender Differences in ICT Use Among Small Business Owners in Ghana." In Research Anthology on Small Business Strategies for Success and Survival. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-9155-0.ch067.

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In the last two decades, microfinance institutions across regions have helped to financially build small businesses in areas of disadvantaged populations. The efforts in providing entrepreneurs with small non-collateralized loans (or micro-loans) along with developing cooperative programs for entrepreneurs were reported in earlier studies as being helpful in alleviating some borrowers from extreme economic poverty. However, early warning signals were raised about whether microfinance institutions were benefiting themselves more than the poor. This article assesses the differences in attitudes toward the use of information and communication technology among small business owners in Ghana that have access to micro-loans. The findings indicate significant differences between interest payers and interest non-payers based on region of the country, age, education, and membership in an entrepreneurship program.
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Kinghan, Christina, Carol Newman, and Conor O’Toole. "Capital Allocation, Credit Access, and Firm Growth." In Micro, Small, and Medium Enterprises in Vietnam. Oxford University Press, 2020. http://dx.doi.org/10.1093/oso/9780198851189.003.0003.

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In this chapter, the authors explore the relationship between firm growth, access to finance, and the efficiency of capital allocation in Vietnam over 2005–15. They test whether firms with higher marginal returns to capital are more or less likely to get access to financing. This is a key test of how efficiently the financial system is functioning. The authors also test whether credit supply constraints are hindering capital allocation by limiting the investment and employment activities of firms with the highest marginal return on capital. They find that high return investors, with the greatest marginal return on capital, have a lower likelihood of having formal finance (loans outstanding with formal credit institutions). The study finds evidence that rejected credit applications are limiting investment activity but not employment, particularly for firms with higher investment efficiency. This suggests a link between firm growth and a suboptimal allocation of credit.
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Conference papers on the topic "Access to loans"

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Belanova, Katarina. "ACCESS TO BANK LOANS FOR SMEs IN SLOVAKIA." In 2nd International Scientific Conference - Economics and Management: How to Cope With Disrupted Times. Association of Economists and Managers of the Balkans, Belgrade, Serbia; Faculty of Management Koper, Slovenia; Doba Business School - Maribor, Slovenia; Integrated Business Faculty - Skopje, Macedonia; Faculty of Management - Zajecar, Serbia, 2018. http://dx.doi.org/10.31410/eman.2018.128.

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Mezza, Alvaro, Daniel Ringo, Kamila Sommer, and Shane Sherlund. "On the Effect of Student Loans on Access to Homeownership." In 25th Annual European Real Estate Society Conference. European Real Estate Society, 2016. http://dx.doi.org/10.15396/eres2016_159.

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Chapman, B. J., U. Raya, and K. G. H. Baldwin. "Improving Access to Solar Energy Systems Using Income Contingent Loans." In Optical Instrumentation for Energy and Environmental Applications. OSA, 2014. http://dx.doi.org/10.1364/e2.2014.jth5b.2.

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Madawaki, Musa Nuhu. "Factors Impeding the Access of Low-Income Earners to Loans for Housing in Nigeria." In International Conference on Construction and Real Estate Management 2013. American Society of Civil Engineers, 2013. http://dx.doi.org/10.1061/9780784413135.106.

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Yanhong, Yang. "Venture capital and the access of bank loans: evidence from China––based on the economic models." In 2020 2nd International Conference on Economic Management and Model Engineering (ICEMME). IEEE, 2020. http://dx.doi.org/10.1109/icemme51517.2020.00150.

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Ablaev, E. "Industrial structure of short-term lending in 1928–1935: a quantitative analysis of archival materials of the State Bank of the USSR." In Historical research in the context of data science: Information resources, analytical methods and digital technologies. LLC MAKS Press, 2020. http://dx.doi.org/10.29003/m1782.978-5-317-06529-4/6-13.

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The study deals with the transformation of the industrial lending practices in the USSR during the credit reform of the 1930s. The reform and its impact are analyzed using a set of archival and published sources. At the beginning of the reform, due to the imprecisely defined assets to be credited, there was a significant increase in short-term loans, which entailed additional money issue. This drawback caused new lending regulations. By continuous adapting the rules to the current situation, the State Bank was regulating the access of industries to borrowed resources.
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Ablaev, E. "Industrial structure of short-term lending in 1928–1935: a quantitative analysis of archival materials of the State Bank of the USSR." In Historical research in the context of data science: Information resources, analytical methods and digital technologies. LLC MAKS Press, 2020. http://dx.doi.org/10.29003/m1782.978-5-317-06529-4/6-13.

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The study deals with the transformation of the industrial lending practices in the USSR during the credit reform of the 1930s. The reform and its impact are analyzed using a set of archival and published sources. At the beginning of the reform, due to the imprecisely defined assets to be credited, there was a significant increase in short-term loans, which entailed additional money issue. This drawback caused new lending regulations. By continuous adapting the rules to the current situation, the State Bank was regulating the access of industries to borrowed resources.
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Beizitere, Ilona, and Ieva Brence. "The use of public financial support: study of micro-enterprises." In 21st International Scientific Conference "Economic Science for Rural Development 2020". Latvia University of Life Sciences and Technologies. Faculty of Economics and Social Development, 2020. http://dx.doi.org/10.22616/esrd.2020.53.018.

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At times when businesses are expected to contribute to economic growth, the topic of access to finance remains relevant. The study investigates the availability of public financial support for micro-enterprises which similarly to the European average is the largest enterprise category in Latvia (about 94%). In an ad hoc survey of the companies registered in Latvia in nationally defined sectors, entrepreneurs disclosed their sources of funding over the three-year period of 2015-2017. Valid responses from 2511 companies, of which 1879 were micro-enterprises, revealed not only the diversity of their financial sources but also funding conditions impracticable to companies. According to the data processed by SPSS, micro-enterprises still prefer bank financing (11%) among many sources, whereas only 4% of the respondents used loans supported by public funding. Surprisingly, while almost half of the micro-enterprises required new or additional funding, a large number relied solely on internal finance. Rejections were frequent not only from banks, but also from the institution providing for public financial support.
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ŠPIČKA, Jindřich. "WHAT DETERMINES PROPENSITY TO GET PUBLIC INVESTMENT SUBSIDIES? A CASE STUDY OF THE CZECH FOOD INDUSTRY." In RURAL DEVELOPMENT. Aleksandras Stulginskis University, 2018. http://dx.doi.org/10.15544/rd.2017.052.

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The aim of the paper is to is to quantify differences in structural and economic indicators between participants and nonparticipants of the investment support programmes in the Czech food industry at the beginning of the old programming period (2007). Research was conducted on a dataset of supported projects from the Ministry of Agriculture and Ministry of Industry and Trade combined with structural and economic indicators of participating and nonparticipating companies provided by MagnusWeb database. Final database contained 1 225 companies. However, not all indicators were available for all companies. Original set of variables was selected through Principal Component Analysis. Propensity to be supported was calculated through probit regression. Public investment support has had pretensions to increase productivity of the food industry as well as the added value of agricultural production by supporting many operations in agricultural processing and marketing. Ex-post evaluation of the “old” programming period 2007–14 shows that companies with larger size, lower trade margin, optimal liquidity, lower debt ratio and higher credit debt ratio had higher propensity to be supported. Conclusions about size and credit debt ratio follow previous research by other authors that small companies had lower chance to be supported because of more difficult access to good advisory services and bank loans.
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Rafiq, Faras, and Tim Moors. "Monitoring access in advanced time zones to direct prefetching and so smooth access loads." In 2011 Australasian Telecommunication Networks and Applications Conference (ATNAC 2011). IEEE, 2011. http://dx.doi.org/10.1109/atnac.2011.6096643.

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Reports on the topic "Access to loans"

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Oyerinde, Funmi, and Naphtali Bwalami. The Impact of Village Savings and Loan Associations on the Lives of Rural Women: Pro Resilience Action (PROACT) project, Nigeria. Oxfam, 2021. http://dx.doi.org/10.21201/2021.7277.

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The PROACT project uses Village Savings and Loan Associations (VSLAs) to enable rural financial inclusion. The VSLA approach is targeted at combating increased poverty and improving the resilience of poor rural farming households in Kebbi and Adamawa States, Nigeria. The three case studies presented here reflect the new, transformative realities of increased income, access to loans, safe spaces for women, improved rural enterprise and the empowerment of women engaged in the VSLAs.
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Frisancho, Verónica, and Martín Valdivia. Savings Groups Reduce Vulnerability, but Have Mixed Effects on Financial Inclusion. Inter-American Development Bank, 2020. http://dx.doi.org/10.18235/0002910.

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This paper evaluates the impact of the introduction of savings groups on poverty, vulnerability, and financial inclusion outcomes in rural Peru. Using a cluster randomized control trial and relying on both survey and administrative records, we investigate the impact of savings groups after more than two years of exposure. We find t hat savings groups channel expensive investments such as housing improvements and reduce households' vulnerability to idiosyncratic shocks, particularly among households in poorer districts. The treatment also induces changes in households labor allocation choices: access to savings groups increases female labor market participation and, in poorer areas, it fosters greater specialization in agricultural activities. Access to savings groups also leads to a four-percentage point increase in access to credit among women, mainly driven by access to the groups loans. However, the introduction of savings groups has no impact on the likelihood of using formal financial services.On the contrary, it discourages access to loans from formal financial institutions and microfinance lenders among the unbanked.
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Coli, Pedro, Caroline Pflueger, Tyler Campbell, and L. Javier Garcia. Blockchain Uses for Microfinance Institutions in the Water and Sanitation Sector: Pilot Study. Edited by Mauro Nalesso and Keisuke Sasaki. Inter-American Development Bank, 2021. http://dx.doi.org/10.18235/0003273.

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Microfinance Institutions (MFIs) are organizations that provide small loans to borrowers who typically lack collateral, steady employment, or a verifiable credit history and therefore do not have access to traditional commercial banking. Blockchain technology could be used to create a more holistic view of the financial position of a potential borrower, which could result in better lending decisions. This study explores how blockchain technology has the potential to assist Microfinance Institutions in the water and sanitation sector through a pilot project developed in Peru. The improvements seen in the existing microfinance ecosystem during the implementation of the blockchain platform can be sorted into two main groups: improved institutional performance, and data ownership for the individuals.
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Ramlogan, Ronnie, and John Rigby. Access to Finance: Impacts of Publicly Supported Venture Capital and Loan Guarantees. University of Manchester, 2012. http://dx.doi.org/10.22163/fteval.2012.85.

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STUDY ON FORCE MECHANISM OF CABLE-TRUSS FRAME AND JUMPED LAYOUT OF ANNULAR CROSSED CABLE-TRUSS STRUCTURE. The Hong Kong Institute of Steel Construction, 2021. http://dx.doi.org/10.18057/ijasc.2021.17.3.3.

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A new type of cable-strut tension structure named Annular Crossed Cable-truss Structure(ACCTS) comprises a series of planar cable-truss frames crossed each other. To investigate the force mechanism of ACCTS, a cable-truss frame model with 2-bar and 6-cable has been developed, and its initial stiffness formula has been derived as well. The model is further simplified to make it is upper and lower vector heights equal, and then the initial stiffness formula and the critical slack load formula are further deduced. Based on ANSYS software and cable-truss frame with a span of 60m, the influences of the number of struts and position of jumped layout on the cable-truss frame are studied. According to the former 60m span cable-truss frame's research results, the jumped layout of ACCTS with a span of 100m is studied. The static and dynamic performances of two schemes, the optimal jumped layout scheme and the original scheme, are systematically studied. It is shown that the number of struts would be about 6~8 for the planar cable-truss frame and the optimal order of jumped layout is strut 6-7→strut 4-5→strut 2-3. The optimal order of jumped layout of ACCTS agrees with that of the cable-truss frame, verifying the feasibility of conclusions. In the condition of no variation in the original structure's static and dynamic performance, the optimal scheme of the jumped layout will lower the steel consumption and enhance the buckling loads. Moreover, it also simplifies structure for easy construction.
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