Relevant bibliographies by topics / SME Lending

Contents

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

Academic literature on the topic 'SME Lending'

Author: Grafiati
Published: 4 June 2021
Last updated: 6 February 2022

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Journal articles on the topic "SME Lending"

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Haag, Anke, and Thomas Henschel. "SME lending relationships." International Journal of Entrepreneurship and Innovation 17, no. 3 (July 19, 2016): 184–93. http://dx.doi.org/10.1177/1465750316655905.

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The article illustrates the importance of the German Credit Guarantee Scheme to overcome credit restrictions for small and medium-sized enterprises (SMEs). By analysing the results of semi-structured interviews with German bank managers, it is demonstrated that the provision of a guarantee from a guarantee bank fosters learning by creating lending relationships and allowing a diminution of information asymmetries. Moreover, the research reveals some new aspects regarding the profitability of lending banks. The respondents indicate that profits rather decrease when a guarantee from a guarantee bank is included. However, the results also reveal that the provision of additional services (known as cross-selling) and the support of the region are considered to have a positive impact on the overall profitability and therefore on the willingness to include guarantees that make available bank loans to SMEs. Consequently, the research provides empirical results that expand existing conceptual literature.
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이성복. "SME Financing and P2P Lending." Journal of SME Finance 38, no. 2 (June 2018): 3–37. http://dx.doi.org/10.33219/jsmef.2018.38.2.001.

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Gibson, Thomas, and Marc De Sousa-Shields. "Crossfire: SME lending vs. microfinance." Enterprise Development and Microfinance 18, no. 4 (December 2007): 295–302. http://dx.doi.org/10.3362/1755-1986.2007.029.

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Hassan, M. Taimoor, Mudassar Zaid, Muhammad Waqas, Sayyida Rahat Rafique, Muntaha Tathir, Aiman Tanveer, Asma Hameed, and Abia Anwar. "SME Lending: A Long Term Commitment towards the Development of Industry." International Journal of Learning and Development 2, no. 2 (April 4, 2012): 71. http://dx.doi.org/10.5296/ijld.v2i2.1589.

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Purpose: The basic purpose is to find out the impacts of SME lending on their development. While conducting the research, a clear objective was established in order to explore the relationship between SME lending and its ultimate impact on the development of SME sector in Bahawalpur, considered as SME Concentrated market of the economy. Design/methodology/approach: The research have been conducted utilizing the actual data with the help of a questionnaire based on the literature studies extensively on SME’s lending and the impact on its development to explore the attributes which leads towards the establishment of SME’s lending in Bahawalpur region. A new dimension is added by conducting research on SME’s lending and the impact on its development in Bahawalpur region, taking sample of 100 respondents from 20 banks and their customers. Findings: Factors abstracted from the market concentration, commercial vs. SME’s lending, issues of SME’s lending, Term of loan, size of enterprises, self employment in SME sector that they are significantly associated with SME’s establishment. Research limitations/ implication: The results found are based on available material being studied. A structured questionnaire has been used to collect data from a sample of 100 SMEs being financed by financial institutions of Bahawalpur region. Practical implications: The financial institutions in Pakistan are needed to take initiative in creating awareness about SME’s lending and providing more effective services to their customers. The results can be generalized on over all SME lending practices in Bahawalpur region. The facilities to cottage industry could be made from the effective use of findings in this paper. Originality/ value: This is one of the very first researches on SME’s lending and the impact on its development conducted in Bahawalpur region and could be very useful for countries adopting SME’S lending. Key words: SME lending, SME’s establishment, Cottage industry, SME Financing, Small Loans.
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Amoako-Adu, Ben, and Joseph P. Eshun. "SME Financing in Africa: Collateral Lending vs Cash Flow Lending." International Journal of Economics and Finance 10, no. 6 (May 15, 2018): 151. http://dx.doi.org/10.5539/ijef.v10n6p151.

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It is argued that economic growth in Africa will be enhanced by the expansion of small and medium-sized enterprises (SMEs) but these businesses face financing constraints which tend to hinder their business success. Starting from a discussion of the various sources of financing for SMEs in Africa, it is established that the most effective and cheapest source of capital for the SMEs is debt financing from banking and other microfinance institutions because of lender monitoring and the tax-deductibility of the interest expense. However, collateral requirement which tends to be a major significant factor for mitigating the credit risk of the SMEs presents a problem to lending institutions because of market illiquidity, legal, administrative, and valuation difficulties. SMEs tend to be owned by low income entrepreneurs and families who normally do not have tangible, valuable and liquid collaterals, and even when collaterals are offered, it is a challenge to determine their market value. Often these problems result in the rejection of SME loan applications. As a solution to this problem, the paper introduces a concept of cash flow lending as a better alternative to the traditional asset-backed lending. While asset-backed or collateral lending emphasizes loan default and recovery from collaterals, cash flow lending is based on projected corporate positive cash flows, the required return of equity, equity valuation of the business, and finally, on the risk-sharing principle between the lender and borrower. For the loan application to be approved, the requested loan and all existing debts of the SME should be less than the equity value of the company as estimated from the free cash flow model.
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Del Gaudio, Belinda L., Mark D. Griffiths, and Gabriele Sampagnaro. "SOFT INFORMATION PRODUCTION IN SME LENDING." Journal of Financial Research 43, no. 1 (November 14, 2019): 121–51. http://dx.doi.org/10.1111/jfir.12198.

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Grunert, Jens, and Lars Norden. "Bargaining power and information in SME lending." Small Business Economics 39, no. 2 (January 19, 2011): 401–17. http://dx.doi.org/10.1007/s11187-010-9311-6.

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Berry, Aidan, Paul Grant, and Robin Jarvis. "European Bank Lending to the UK SME Sector." International Small Business Journal: Researching Entrepreneurship 22, no. 2 (April 2004): 115–30. http://dx.doi.org/10.1177/0266242604041310.

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Voordeckers, Wim, and Tensie Steijvers. "Business collateral and personal commitments in SME lending." Journal of Banking & Finance 30, no. 11 (November 2006): 3067–86. http://dx.doi.org/10.1016/j.jbankfin.2006.05.003.

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Brunner, Antje, and Jan Pieter Krahnen. "Hold-up in multiple banking: evidence from SME lending." International Journal of Banking, Accounting and Finance 5, no. 1/2 (2013): 78. http://dx.doi.org/10.1504/ijbaaf.2013.058094.

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Dissertations / Theses on the topic "SME Lending"

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Mkhaiber, Achraf. "Bank size, locality, SME lending and local economies." Thesis, University of Southampton, 2017. https://eprints.soton.ac.uk/419978/.

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This thesis contains both macro- and microeconomic analyses of banking organisational structure, Small and Medium Sized Enterprises (SMEs) lending and local economic development. The first examination is based on a bank-level analysis to investigate the impact of bank size on bank propensity to small and micro business lending. Secondly, I review the regional banking-growth literature and highlight the need for original investigations of the effects of local small business lending, as a measure of local banking development, on local economic development, emphasising the importance of distributional heterogeneity and spatial effects across regions within a one-country framework. Thirdly, I empirically investigate whether small and micro business lending, provided by small local banks, has an impact on the performance of local economies, taking into consideration the distributional heterogeneity among regions. Finally, I examine whether spatial spillover effects of local banks on local economies are significant. Using an econometric approach and data on over 14,000 U.S banks of all sizes, from 1994 to 2013, the results indicate an inverse relationship between bank size and the propensity of banks to lend to small and micro businesses. The relationship is robust and survives a number of rigorous specification checks. The subsequent review of the literature of regional banking-growth studies reveals that previously employed econometric methodologies do not account for distributional heterogeneity and spatial spillover effects in the examination of the regional banking-growth relationship. I also offer the small business lending channel as a proxy measure for local banking development. Furthermore, the subsequent analyses of the local banking-growth nexus indicate a boosting impact of local banks on the local economies through the small business lending channel. Besides, such impact varies in accordance to the regions’ level of economic development and the magnitude of the spillovers of SME loans from one region to another. Important policy implications can be drawn from my empirical findings. The inverse association of bank size with propensity to small business lending indicates that small banks are superior in SME lending through their form of relationship lending. Accordingly, small banks can be the optimal financial machinery to facilitate credit to and support the growth of SMEs. Moreover, the results emphasise the importance of small locally-operating banks to development of the local economies through small business lending, as well as confirm the existence of heterogeneous effects and significant spatial spillover effects of small local banks on the growth of the regions. The policy implication is that policy-makers need to ensure that localisation effects are sustained, because of the comparatively minimal cost required to minimize individual (in relation to aggregate) uncertainties and local stability can be relied upon to achieve global stability. Both can be done by supporting the creation and continued viability of small local banks. For this, a positive yield curve is required – which currently central banks in many countries are not delivering.
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Karlsson, Isac, and Gerdin Ludvig Wärnberg. "Determining an Optimal Loan Limit Strategy for SME Lending." Thesis, KTH, Matematisk statistik, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-275651.

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The purpose of this thesis it to determine an optimal loan limit strategy. The optimality conditions are formulated in two different ways to account for two different objectives: maximizing the total profit and maximizing the approval rate. These objectives have been formulated as mathematical models and solved using linear programming. Moreover, the effects of changes to model constraints have been analyzed. The project was conducted in collaboration with Froda Företagslån, a digital lending platform that provides loans to Small and Medium-sized Enterprises.
Denna uppsats syftar till utveckla en optimal kreditlimitstrategi, vilket kan formuleras på olika sätt beroende på vad kreditgivarens huvudsakliga mål är. I detta fall undersöks vilka limiter som bör sättas när målet är att maximera vinsten samt när målet är att maximera antalet lån som godkänns och betalas ut. Ovanstående har sedan formulerats som matematiska modeller som sedan löses med hjälp av linjär programmering. Vidare har effekterna av förändring hos modellens parametrar analyserats. Projektet bedrevs i samarbete med Froda Företagslån, en digital långivare som inriktar sig mot Små och Medelstora Företag.
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Emuwa, A. "Barriers to SME lending in Nigeria : finding context-specific solutions." Thesis, Nottingham Trent University, 2015. http://irep.ntu.ac.uk/id/eprint/29134/.

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This research seeks to deepen the understanding of the causes of obstacles to bank lending to the smaller businesses in Nigeria, and to contribute to the literature aimed at finding solutions to this persistent problem. Smaller firms report access to finance as a major obstacle to their growth. With bank credit contributing up to 50% of their external financing, the research focuses on banking institutions. Perceived as a credit market failure, the economics literature ascribes these credit shortages to problems of informational asymmetry and institutional failure, and in turn, these two issues have dominated the applied research on the subject. This thesis contends that small business credit shortage is a complex phenomenon which needs to be understood within the context of the specific operating environment. This research is a qualitative case study of a commercial bank in Nigeria that newly entered into the SME credit market using semi-structured interviews and documentary data to explore the obstacles to SME lending and possible solutions. Based on a thematic analysis of the data, the research found that a well-regulated finance industry within the growing economy stimulated opportunities for lending to SMEs. Attracted by these perceived lucrative opportunities, the commercial bank established a successful lending programme developing proprietary credit scoring techniques and innovative devices to overcome institutional barriers and informational obstacles. To encourage more banks to increase lending to the sector, the research concluded with proposals towards removing impediments to SME business lending. These included improving banks' knowledge of specialised techniques to lend to SMEs, business friendly policies to improve the business environment for smaller businesses to reduce their risk of failure, lower interest rates on loans and capacity building to improve management skills of business owners.
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Evans, Linda Faye. "Strategies for Providing Loans to Small Businesses." ScholarWorks, 2019. https://scholarworks.waldenu.edu/dissertations/6786.

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Between 2007 and 2013, the number of loans banks provided to small and medium-sized enterprises (SMEs) declined. The purpose of this single case study was to explore the strategies that senior bank lending officers used to improve lending to SMEs. The sample size consisted of 4 senior small business lending officers who have in lending for 5 or more year in Houston, Texas. The conceptual framework used was agency theory. Data were collected using semistructured interviews with 4 senior bank lending officers from a bank in the Houston, Texas area, a review of documents from lending officers, and other artifacts from the Small Business Administration. Data were analyzed with the support of software to generate themes. The data analysis included process coding of the data collected from the participants. Member checking and methodological triangulation enhanced the credibility of the findings in this study. Three themes emerged from the data analysis: the barriers and challenges lenders face when lending to business owners, bankers' strategies to overcome challenges in lending to their customers, and lenders' use of relationships and lending experience to provide loans to their customers. The findings from this study may contribute to social change by providing insights that can be used by senior lending officers related to strategies for providing loans to SMEs. The results of this study may also contribute to increased job creation for local residents, which can positively impact the economic viability of the Houston area.
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Charpentier, Apolline. "The impact of Basel II reforms : a contraction in SME lending." Thesis, Massachusetts Institute of Technology, 2014. http://hdl.handle.net/1721.1/90234.

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Thesis: S.M. in Management Studies, Massachusetts Institute of Technology, Sloan School of Management, 2014.
Cataloged from PDF version of thesis.
Includes bibliographical references.
The implementation of Basel II reforms has been designed to protect the international financial system from major bank collapses through the enforcement of minimum capital adequacy ratios. This new set of rules has raised concerns of triggering changes in institutions' business models leading to credit contraction, which in turn could potentially contribute to slower global economic development. Small and Middle Enterprises, which have traditionally been engines of growth, innovation, and R&D in Europe, are highly reliant on bank loans as opposed to equity funding. This thesis focuses on the specific impact of Basel II reforms on SME access to financing. The paper is structured around four sections. Part I provides a technical summary of the regulation, focusing on the specific capital requirements for SMEs. Part II reviews today's literature on the topic. Finally, parts III and IV respectively provide a theoretical and empirical examination of the consequences of the reforms on SME financing. Based on these analyses, this thesis supports the conclusion that Basel II reforms have not been the cause of a contraction in SME lending.
by Apolline Charpentier.
S.M. in Management Studies
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Cruz, Vítor Alves dos Santos. "Relationship leading and SME financing in the Azores." Master's thesis, Instituto Superior de Economia e Gestão, 2014. http://hdl.handle.net/10400.5/7460.

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Mestrado em Ciências Empresariais
Pequenas e médias empresas desempenham um papel importante na economia mundial. No entanto, a elevada dificuldade em aceder aos fundos necessários muitas vezes limita o crescimento destas empresas. Este estudo tem como propósito analisar alguns dos mais debatidos problemas no que a financiamento de PMEs diz respeito, particularmente Relacionamento Bancário e dificuldades no acesso ao financiamento. Posteriormente, realiza um exercício comparativo entre a percepção de PMEs na Região Autónoma dos Açores e as mais comuns considerações presentes na literatura. A maioria dos inquiridos considera que o acesso ao financiamento bancário é difícil, e percepciona os critérios relacionados com garantias e com o histórico de crédito da empresa como os mais importantes para as decisões de concessão de crédito dos bancos. A maioria dos inquiridos considera igualmente estar envolvido em Relacionamento Bancário, retirando benefícios dessa relação.
Small and medium enterprises are crucial for economies all around the globe. However, their growth is constrained by strong difficulties in accessing the funds they imperatively need. This study reviews some the most common issues regarding SME finance, particularly difficulty accessing funds and Relationship Lending. It then aims to assess the perceptions of SMEs in the Azores region over those issues, to see if they match the literature considerations. The majority of the respondents claim they find it difficult to access finance from a bank, and consider trouble providing risk shifting factors and past success indicators as being the most important credit decision making criteria of banks. It is also found that most of the respondents are invested in a relationship with a bank, and those who are benefit from it, especially on collateral demands and on interest rates
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Nicolas, Théo. "Essays on SME finance and banking." Thesis, Paris 1, 2018. http://www.theses.fr/2018PA01E049.

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Dans un environnement économique encore fragilisé par la Grande Récession, les PME apparaissent comme un moteur essentiel de l’activité et de l’emploi. Dans cette thèse, j’examine les déterminants et les conséquences des contraintes financières des PME afin d’identifier les formes de financement bancaire les mieux adaptées à leurs situations. Le premier chapitre analyse les effets des modèles d’activité bancaire sur le financement des PME et montre que les banques de trading augmentent les contraintes de crédit de court terme ainsi que les coûts de financement. Surtout, l’externalité négative du trading sur la disponibilité du crédit de court terme est encore plus forte pour les banques fortement capitalisées et dépendantes des produits dérivés. Le deuxième chapitre porte sur l’effet bénéfique de la relation bancaire pour les PME. Nous montrons que les prêteurs relationnels pratiquent des taux plus élevés en période de croissance et des taux plus bas en période de crise. Cependant, en incluant les entreprises monobancaires dans notre analyse, nous constatons que ce mécanisme assurantiel dépend de la capacité des entreprises à diversifier leurs emprunts auprès de plusieurs banques. Enfin, le troisième chapitre se focalise sur les effets réels des contraintes financières. Mes résultats mettent en lumière l’importance capitale du financement de court terme pour l’investissement des PME à travers le canal du besoin en fonds de roulement. Les entreprises qui ont des opportunités d’investissement ne peuvent pas les saisir car les contraintes de crédit de trésorerie les obligent à allouer davantage de cash-flow au financement du besoin en fonds de roulement
Representing a clear driver for growth and employment, small and medium sized enterprises (SMEs) have gained considerable attention in the aftermath of the Great Recession. In this thesis, I both examine the determinants and consequences of SMEs financial constraints in order to identify the most appropriate types of bank financing for their situations. The first chapter analyzes the effects of trading bank business models on SME finance and shows that trading banks increase both short term credit constraints and funding costs. Importantly, the negative impact of trading-banks on short term credit availability is even stronger for banks with higher capital and derivatives.The second chapter deals with the beneficial effect of relationship lending for SMEs. Following the literature that has investigated the countercyclical effect of relationship lending on interest rates, we show that relationship lenders charge higher rates in good times and lower rates in bad times. However, we include single-banked firms in the scope and find that this insurance mechanism depends on the firm ability to diversify its borrowing.The third chapter focuses on the real effects of financial constraints. While the literature examining the effects of financial constraints on firms’ investment has traditionally ignored loan maturity, my results emphasize the importance of short-term finance for SMEs through the working capital channel. The real effect of short term financial constraints arises when firms with opportunities to invest may be blocked from doing so because rationing may force them to allocate additional cash-flow to finance their working capital needs
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Kristersson, Robert, and Jonny Johansson. "Kreditgivning och kredituppföljning : En studie om och hur bankernas kreditförfarande kan förbättras." Thesis, Högskolan i Borås, Institutionen Handels- och IT-högskolan, 2014. http://urn.kb.se/resolve?urn=urn:nbn:se:hb:diva-17875.

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Det råder ingen tvekan om att små och medelstora företag (SME) fyller en mycket viktig funktion i samhällsekonomin. Det råder heller ingen tvekan om att tillgång till finansiering är av avgörande betydelse för tillväxt och utveckling av SME-sektorn.Enligt den vetenskapliga litteraturen är det dock inte helt enkelt för enskilda bolag i SME-sektorn att få kredit från bankerna. Detta gäller även Sverige och i många andra västländer med ett bankorienterat ekonomiskt system.Syftet med denna studie är att undersöka hur bankerna agerar i kreditgivningsprocessen, kredituppföljningsprocessen och hur bankerna agerar när en av bankernas kreditkunder hamnat i finansiella problem. Studien syftar vidare till att diskutera hur förfarandena kan förbättras för att slutligen kunna avgöra om dagens förfarande är tillfredställande eller om ny lagstiftning behövs för att komma tillrätta med eventuella brister. Syftet har avgränsats genom att endast undersöka bankernas utlåning till SME samt genom att endast undersöka hur bankernas förfarande ser ut idag. Studien behandlar således inte hur bankernas processer utvecklats över tid.De slutsatser som kan dras av undersökningen är att bankernas agerande i kreditgivningsprocessen, kredituppföljningsprocessen och hur bankerna agerar när en av bankernas kreditkunder hamnat i finansiella problem är tillfredställande och att ingen ny lagstiftning behöver för att komma tillrätta med eventuella brister.
Program: Civilekonomprogrammet
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Ozalp, Dizem. "Small And Medium-sized Enterprises And Banking Sector In Turkey." Master's thesis, METU, 2006. http://etd.lib.metu.edu.tr/upload/3/12607995/index.pdf.

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This study has the objective of arguing the fact that the Small and Medium-sized Enterprise (SME) lending is developing, relevant to the evolution of the business environment and banking sector, during the period between 2001 &
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2006 years. The thesis is testing this claim on two data sets. First
the financial data of CBRT during the period of 2001 - 2006 is evaluated. Then, the SME data of a Bank is evaluated. The thesis also covers the arguments on SME definition, the literature survey for SME development policies, SME lending infrastructure, the banking sector, as the main source of finance for SME, and the SME profile of Turkey. The thesis concludes on two things: The share of SMEs in the total credit volume is rising during the period between 2001 &
#8211
2006 years. And the share of medium-term credits is rising, while the short-term credits&
#8217
is decreasing. In addition to these, the study criticizes the recent SME definition of KOSGEB.
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Helmersson, Andreas. "Overcoming Capital Constraints and Challanges of Fast Growth as an IT SME." Thesis, Jönköping University, JIBS, Business Administration, 2010. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-12769.

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Problem: High wage countries depend on SME's to lower unemployment, to trigger economic growth and to utilize the 'knowledge waste' created by large investments in human capital. However, due to their limited access to capital markets SME's are seen as unfavourably dependent on their own generation of internal funds to grow. Among SME's, IT firms are seen as most representative for this struggle, since they have i) a bad reputation within the public and institutional sector due to the dot-com era, and ii) assets with low collateral value (e.g. immaterial assets, human capital, knowledge, prototypes and ideas that all have unknown, unsecure and hard to predict second-hand or future values). Despite these unfavorable characteristics, some IT firms are growing considerably fast. What can we learn from them? 

Purpose: Describe the financial situation of IT SME's. Investigate how those IT firms that are fast growing have grown and financed their growth, and how they have managed the effects of growth.

Method: Due to the nature of the purpose a mixed method research approach was adopted. The quantitative investigation aimed at describing their fi-nancial situation and took the form of a statistical analysis of the entire IT firm population, using data from the Swedish database 'Affärsdata'. The qualitative approach took the form of telephone interviews with a sample of fast growing IT firms, to get closer to the reasoning behind their growth and it’s financing. This research approach enabled cross referencing, strengthening some of the empirical evidence found.

Conclusion: Evidence was found on IT firms growing with assets of less collateral value resulting in low amounts of long term debt. Indications were found on the traditional life cycle perspective regarding SME finance has to be changed to fit IT firms; after surviving the first years of internal funding and years of overdependence on short term debt, they reach a stage (e.g. in a financial crisis, facing international expansion, or substantial R&D costs) when financial assistance is needed. Indications were also found on IT firms operating in a highly unpredictable environment demanding advanced cash management routines that today are not prioritized in favor of growth. To handle this, and to reach financial assistance when needed (most likely by involving a risk capitalist in exchange for firm ownership), those firms showing stability (i.e. through low personnel turnover, high profitability or a large cash buffer) seem to have been more successful.

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Books on the topic "SME Lending"

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(Firm), Microfinance Risk Management, ed. The potential for credit scoring for SME lending in Kenya. Nairobi: FSD Kenya, 2008.

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Michaelas, N. The borrowing behaviour of SMEs and the lending policies of financial institutions over business economic cycles. Manchester: Manchester Business School, 1998.

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Scott, Claire. Corporate bank lending and interest rate determination for small and medium sized enterprises (SMEs) in Northern Ireland (NI). (s.l: The Author), 2002.

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Office, General Accounting. [ Open access same-time information system and standards of conduct]. Washington, D.C: The Office, 1996.

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Competition in the GCC SME Lending Markets. World Bank, Washington, DC, 2016. http://dx.doi.org/10.1596/25404.

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Alibhai, Salman, Aletheia Donald, Markus Goldstein, Alper Ahmet Oguz, Alexander Pankov, and Francesco Strobbe. Gender Bias In SME Lending : Experimental Evidence From Turkey. World Bank, Washington, DC, 2019. http://dx.doi.org/10.1596/1813-9450-9100.

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Kenya, FSD, and Microfinance Risk Management (Firm), eds. The potential for credit scoring for SME lending in Kenya. Nairobi: FSD Kenya, 2008.

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Kenya, FSD, and Microfinance Risk Management (Firm), eds. The potential for credit scoring for SME lending in Kenya. Nairobi: FSD Kenya, 2008.

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Arraiz, Irani, Miriam Bruhn, Benjamin N. Roth, Claudia Ruiz-Ortega, and Rodolfo Stucchi. Free Riding in Loan Approvals: Evidence from SME Lending in Peru. World Bank, Washington, DC, 2019. http://dx.doi.org/10.1596/1813-9450-9072.

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Eisele, Alexander, and Eric Nowak. Market Innovations for (Non-Bank) Financing of SMEs in Light of the Crisis and New Regulation. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780198815815.003.0012.

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This chapter summarizes and empirically evaluates new regulatory policies as well as market innovations in the financial sector and their potential impact on SME financing. Using survey and balance sheet data for European SMEs, we find empirical evidence in line with the existing literature highlighting a recent deterioration in bank-based SME financing. More importantly, we provide empirical evidence suggesting that the negative macroeconomic effects of future restricted bank lending, due to new regulation, could be mitigated by policies allowing for and supporting new forms of market-based SME financing. To evaluate the financial and real effects of innovations in SME financing, we exploit the staggered introduction of SME equity and bond segments in different European countries, and show that they have been successful in providing non-bank financing to SMEs.
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Book chapters on the topic "SME Lending"

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Hyz, Alina. "Why is bank lending so important in Greece?" In SME Finance and the Economic Crisis, 56–71. Abingdon, Oxon; New York, NY: Routledge, [2019] | Series: Routledge studies in the European economy: Routledge, 2019. http://dx.doi.org/10.4324/9780429425806-3.

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Gospodinov, Evgeny. "The Business Strategies of Domestic Banks in the Long Run — SME Lending as an Attractive Market Segment." In EU Accession — Financial Sector Opportunities and Challenges for Southeast Europe, 173–77. Berlin, Heidelberg: Springer Berlin Heidelberg, 2005. http://dx.doi.org/10.1007/3-540-26963-0_14.

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Elliot, Viktor, and Magnus Willesson. "Does Bank Regulation Spill Over to Firm Financing? SME Financing, Bank Monitoring, and the Efficiency of the Bank Lending Channel." In Palgrave Macmillan Studies in Banking and Financial Institutions, 279–302. Cham: Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-90294-4_13.

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Bottiglia, Roberto. "Competitive Frontiers in P2P Lending Crowdfunding." In Crowdfunding for SMEs, 61–92. London: Palgrave Macmillan UK, 2016. http://dx.doi.org/10.1057/978-1-137-56021-6_4.

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Ekpu, Victor U. "Demand-Side Factors Affecting Bank Lending to SMEs." In Determinants of Bank Involvement with SMEs, 29–43. Cham: Springer International Publishing, 2015. http://dx.doi.org/10.1007/978-3-319-25837-9_4.

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Ekpu, Victor U. "Supply-Side Factors Affecting Bank Lending to SMEs." In Determinants of Bank Involvement with SMEs, 45–72. Cham: Springer International Publishing, 2015. http://dx.doi.org/10.1007/978-3-319-25837-9_5.

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Koch, Roberta Maria. "Wie innovative Start-ups zu Kapital kommen." In Die Wirtschaft im Wandel, 59–63. Wiesbaden: Springer Fachmedien Wiesbaden, 2021. http://dx.doi.org/10.1007/978-3-658-31735-5_10.

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ZusammenfassungInnovative Jungunternehmen brauchen dringend Risikokapital. Die Kreditgeber sind zurückhaltend, verlangen Sicherheiten und wollen verlässliche Hinweise auf gute Erfolgsaussichten sehen. Aber das Risiko ist hoch und der Erfolg auf dem Markt ungewiss. Wie können innovative Start-ups zu Kapital kommen? Verwertbare Patente dienen als Sicherheit and schaffen Zugang zu Kredit. Erfahrene Wagnisfinanziers können besser als andere die Erfolgschancen beurteilen und sind eher bereit, sich zu engagieren. Darauf können auch andere Kreditgeber vertrauen. Wagniskapital hilft gleich zweimal. Die Wagniskapitalisten geben selber Beteiligungskapital. Sie geben auch anderen Kapitalgebern das notwendige Vertrauen, damit diese weitere Finanzierung bereitstellen. Deshalb ist ein aktiver Markt für Wagniskapital in einer innovativen Wirtschaft so wichtig.Hochberg, Yael, Carlos Serrano and Rosemarie H. Ziedonis (2018), Patent Collateral, Investor Commitment, and the Market for Venture Lending, Journal of Financial Economics 130, 74–94.
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Mann, Shaun. "Tourism as a development option: perspectives from the World Bank." In Tourism in development: reflective essays, 49–61. Wallingford: CABI, 2021. http://dx.doi.org/10.1079/9781789242812.0005.

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Abstract This chapter reflects primarily on the supply-side issues and on the reality of successfully harnessing tourism and achieving desired impacts in developing countries. Specifically, drawing on the experiences of the past three decades as well as a cohort of over 80 World Bank Group tourism-related lending and advisory projects between 2000 and 2019 in 62 countries, the chapter highlights lessons and ex-post evaluations and observations drawn from these projects and the consequential dialogues with governments and the private sector. It also suggests some guiding principles for tourism development activities going forward. In addition, the demand-side is examined from the perspective of the influencers of changing demand patterns and distribution channels, such as global value chains and disruptive technologies, and the effects they are having on destinations and their ability to respond.
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"Basel III and SME Lending: Thematic Focus." In Financing SMEs and Entrepreneurs, 31–41. OECD, 2012. http://dx.doi.org/10.1787/9789264166769-5-en.

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Onyiriuba, Leo. "SME Credit Risk, Analysis, and Control in Emerging Economies." In Emerging Market Bank Lending and Credit Risk Control, 129–64. Elsevier, 2016. http://dx.doi.org/10.1016/b978-0-12-803438-5.00007-6.

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Conference papers on the topic "SME Lending"

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Hajarsari, Nofian Deastuti. "P2P Lending Schemes for Funding Student SME Business." In Proceedings of the 2018 International Conference on Islamic Economics and Business (ICONIES 2018). Paris, France: Atlantis Press, 2019. http://dx.doi.org/10.2991/iconies-18.2019.63.

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Zhao, Guoqing, and Yaqin Gao. "Group lending: Improving the opportunity of SMEs finance." In 2011 International Conference on E-Business and E-Government (ICEE). IEEE, 2011. http://dx.doi.org/10.1109/icebeg.2011.5881791.

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Fuad, Muhammad. "The Role of Relationship Lending in SMEs Funding." In Proceedings of the 2nd International Conference of Business, Accounting and Economics, ICBAE 2020, 5 - 6 August 2020, Purwokerto, Indonesia. EAI, 2020. http://dx.doi.org/10.4108/eai.5-8-2020.2301201.

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Cecil, R. E. "Oil and Gas Lending Practices." In SPE Hydrocarbon Economics and Evaluation Symposium. Society of Petroleum Engineers, 1985. http://dx.doi.org/10.2118/13788-ms.

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Pan, Yonming, and Maodong Zhu. "Research on Credit Guarantee System of SMEs Group Lending Based on Repeated Game." In 2015 International Conference on Education Technology, Management and Humanities Science (ETMHS 2015). Paris, France: Atlantis Press, 2015. http://dx.doi.org/10.2991/etmhs-15.2015.18.

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Zhao, Qingguo, Jing Zhang, and Lirui Zhao. "Study on Financing Risks Evaluation System of Private Lending to SMEs Basing on FAHP." In 2014 International Conference on Management, Education and Social Science (ICMESS 2014). Paris, France: Atlantis Press, 2014. http://dx.doi.org/10.2991/icmess-14.2014.11.

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Wang, Yan, and Xuelei Sherry Ni. "Improving Investment Suggestions for Peer-to-Peer Lending via Integrating Credit Scoring into Profit Scoring." In ACM SE '20: 2020 ACM Southeast Conference. New York, NY, USA: ACM, 2020. http://dx.doi.org/10.1145/3374135.3385272.

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Wang, Yan, and Xuelei Sherry Ni. "Risk Prediction of Peer-to-Peer Lending Market by a LSTM Model with Macroeconomic Factor." In ACM SE '20: 2020 ACM Southeast Conference. New York, NY, USA: ACM, 2020. http://dx.doi.org/10.1145/3374135.3385287.

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Borbor, J. D., Katinka C. Van Cranenburgh, and Christiaan W. F. Luca. "Social Risk Management as a Response to Increasing International Pressure for Social Performance." In SPE Annual Technical Conference and Exhibition. SPE, 2021. http://dx.doi.org/10.2118/206240-ms.

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Abstract In the past decades, financial institutions have led the way for companies to adhere to international standards for social performance. The journey began in the Industrial Revolution, when negative societal business impacts rapidly escalated, which led people to demand for their management. Initially focused on working conditions, impacts on the environment soon started to gain notice. Halfway through the 20th century, a combination of oil spills and mass media attention generated enough public pressure for the United States to sign the first piece of legislation requiring the environmental impact assessment. With this law and its replication abroad, however, came the concern with social impacts as well. Both environmental and social performance expectations soon spread internationally and, by the 1980s, multilateral financial institutions, most prominently the World Bank, incorporated such considerations into their investment and lending practices, which is the source of all such international standards today. These standards require the establishment of a social management system to integrate risk and impact management processes and stakeholder engagement activities. Given the challenge of implementing these requirements, a social risk management development framework is proposed to bring together the extensive and multidisciplinary demands of effective social performance. Five development areas are proposed: governance, social policy, tools, resourcing and capacity, and knowledge sharing. This is an important step to take today as it is expected that the next decades will see these international demands increase, possibly by ever increasing governmental regulation.
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Salacz, Dominique, Farid Allam, Imre Szilagyi, and Yousof Al Mansoori. "Incremental Method vs Split Conditions: Discussing the Similarities Between Reserves Evaluation and a Madoff Scheme." In SPE Annual Technical Conference and Exhibition. SPE, 2021. http://dx.doi.org/10.2118/206104-ms.

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Abstract After the oil price crashes in 2014 & 2020 several M&A deals ended up in legal debates because operators cancelled major projects or infills wells that were booked in the "probable" reserves only. This document challenges the compatibility between the deterministic incremental reserve assessment method (PRMS2018, chapter 4.2.1.3), and the concept of split condition (PRMS2018 chapter 2.2.0.3), which is not allowed for reserves booking under PRMS. With a few examples, we explain why the incremental method may be misleading investors, if used wrongly. Policies, stock market requirements, or simply the understanding of reserves guidelines may differ from one company to another. Many filers and auditors are still keen on using the deterministic incremental approach. This method consists in "defining discrete parts or segments of the accumulation that reflect high, best, and low confidence regarding the estimates of recoverable quantities under the defined development plan". In principle, this should give similar result to the widely accepted scenario method (PRMS2018, chapter 4.2.1.3) but in reality, major discrepancies are observed. Some reserve evaluation may also become misleading for banks, investors, or even for good asset management. I many cases, the estimation of recoverable volumes is reasonable, but it does not match the company CAPEX requirements, affecting corporate cash flow as well as potential Reserves Based Lending (RBL) requirements. In another case, the 1P case will be robust, but the 2P may be grossly overestimated, affecting M&A or share price. "Reserves guidelines are principle based" this has recently become a very fashionable statement in the context of SEC bookings. Similar discussions will also occur when reviewing PRMS reports. However, different interpretations for keywords such as "Project", "Spit condition", or "FID" should not prevent the evaluator to provide a reliable reserves estimation to investor or company management. This document questions the threshold where ethics disappears, and a Madoff scheme may become legal.
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Reports on the topic "SME Lending"

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Morais, Bernardo, Gaizka Ormazabal, José-Luis Peydró, Mónica Roa, and Miguel Sarmiento. Forward Looking Loan Provisions: Credit Supply and Risk-Taking. Banco de la República, April 2021. http://dx.doi.org/10.32468/be.1159.

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We show corporate-level real, financial, and (bank) risk-taking effects associated with calculating loan provisions based on expected—rather than incurred—credit losses. For identification, we exploit unique features of a Colombian reform and supervisory, matched loan-level data. The regulatory change induces a dramatic increase in provisions. Banks tighten all new lending conditions, adversely affecting borrowing-firms, with stronger effects for risky-firms. Moreover, to minimize provisioning, more affected (less-capitalized) banks cut credit supply to risky-firms— SMEs with shorter credit history, less tangible assets or more defaulted loans—but engage in “search-for-yield” within regulatory constraints and increase portfolio concentration, thereby decreasing risk diversification.
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