Assessing SMEs loan proposals : academic prescriptions and practitioner approaches
Chow, Poh Heng
Aw, Kah Wai
Date of Issue1996
College of Business (Nanyang Business School)
Among the various problems facing Small and Medium Sized Enterprises (SMEs), the lack of financing has typically been cited as a major one. This study empirically analyses the loan assessment criteria between academicians and loan officers. The T-test and Multiple Discriminant Analysis (MDA) are used to determine whether there are significant differences in any of the fundamental elements in contemporary credit analysis.
NANYANG TECHNOLOGICAL UNIVERSITY