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Title: | THE IMPORTANCE OF SIGNALLING ENTREPRENEURIAL ORIENTATION AND RELATIONSHIP LENDING FOR SMES’ BANK CREDIT ACCESS |
Authors: | Civelek, Mehmet |
Keywords: | Entrepreneurial orientation SMEs bank credit patent-trademark ownership R&D investmentssubsidies alliances relationship lending |
Issue Date: | Mar-2023 |
Publisher: | International Journal of Business and Society |
Abstract: | Although SMEs matter for the development of economies, they need financing that is the main impediment to their survival. To overcome this barrier, SMEs might reduce information asymmetries between them and banks by signaling their entrepreneurial activities that are based on Entrepreneurial Orientation (EO) and by having frequent contact with banks in a lending relationship. In this regard, this paper purposes to find out the impacts of signaling EO and relationship lending on bank credit access of SMEs. To fulfill this aim, the researcher has applied stratified random and purposive sampling methods to create the research sample from SMEs that operate in various geographical regions of Turkey. The researcher also employs a selfadministered internet-mediated questionnaire to collect data from 479 SMEs. Moreover, this paper runs Binary Logistic Regression Test to analyze the impacts of signaling EO and lending relationship on bank credit access. According to the results, trademark ownership, R&D subsidies received by SMEs and closeness of communication between SMEs and banks positively affect bank credit access of SMEs. On the other hand, patent ownership, R&D investments and alliances of SMEs with prominent firms do not influence their credit access. |
URI: | http://localhost:8080/xmlui/handle/123456789/12360 |
Appears in Collections: | Volume 24 No 2 (2023) |
Files in This Item:
File | Description | Size | Format | |
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kshjerome,+Vol24(2)-3-Signaling+EO,+Rlending,+Bank+Credit,+SMEs-Mehmet+Civelek+.pdf | 739.58 kB | Adobe PDF | View/Open |
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