A Thirty-Country Multilevel Analysis of Managerial Skillsets Important for Success

Patterson, Alexander; Gentry, William A.; Stawiski, Sarah; Gilmore, Davìd C.; Sparks, Taylor E.

doi:10.1037/e518332013-398

Cited by 1 publication

(1 citation statement)

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“…An emerging study by Patterson et al (2012) examines an issue that is similar, but related more to managerial effectiveness than to entrepreneurial success. The authors studied whether the importance of key skills and attributes such as taking action, making decisions, following through, developing relationships, and having drive and ambition vary by national culture (divergence) or are universally similar (convergence).…”

Section: Predicting Credit Riskmentioning

confidence: 99%

Unlocking SME Finance in Argentina with Psychometrics

Klinger,

Castro,

Szenkman

et al. 2013

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Access to finance remains a challenge for Small and Medium Enterprises (SMEs) in Argentina. It is a particularly acute problem among newly created SMEs that have a scant credit record and frequently lack collateral. The authors of this paper carried out a pilot test of an innovative psychometric tool aimed at evaluating credit risk among SME clients of Banco Ciudad de Buenos Aires (BCBA), one of the top three public banks of Argentina. SME responses were compared to their historical repayment records to determine if psychometric-based credit scoring models could help ameliorate the constraints to SME finance. A scorecard based on that information and built using international data results in a Gini coefficient between 20 percent and 40 percent: those SMEs rejected by the psychometricbased scorecard with this Gini coefficient have a probability of defaulting that is three to four times greater than those accepted. Along with other policies to reduce information asymmetry in SME lending, such a tool could help relieve constraints to SME finance in Argentina.

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Section: Predicting Credit Riskmentioning

confidence: 99%