Access to Finance

Khan, Shazida Jan Mohd; Anuar, Abdul Rahim

doi:10.4018/978-1-5225-2835-7.ch006

Cited by 16 publications

(7 citation statements)

References 37 publications

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“…The win-win link between sustainability and competitiveness is based on the needed finance; if firms meet their required capital, they can avail opportunities that will become their future strength and competitive advantage. Hence, a well-developed financial infrastructure of government will be able to meet the diverse financing need of SMEs, which is necessary for the competitiveness and the continuous growth of SMEs (Khan and Anuar, 2018).…”

Section: Review Of Literature and Hypotheses Developmentmentioning

confidence: 99%

Investigating the relationship between government support and SMEs’ sustainability through financial and green lenses

Aslam

Rehman

Nasir

2023

JBIM

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Purpose To be successful on a global scale, small- and medium-sized enterprises (SMEs) need government support (GS) for innovation, sustainability and creativity. GS has always been a constructive influence on enterprises. This paper aims to examine the role of GS in assessing financial literacy (FL), access to finance (AF) and green value co-creation (GVC) for the sustainability of SMEs. Design/methodology/approach This study’s sample comprises SMEs in Lahore, Pakistan. Data collection started in December 2021 and ended in February 2022. Using convenient sampling, 320 responses were collected from SMEs and included in data analysis. Hypotheses were tested, and model fit was checked through the software AMOS 22. Findings It has been examined that GS plays a pivotal role in acquiring FL, AF and GVC for the sustainability of SMEs. Research limitations/implications Increasing the sample size will give a more demonstrative picture as the population size is quite large. Future researchers should design causal relationships, linking these variables through longitudinal research. Originality/value No study has been conducted on SMEs of developing economies using these variables. This study contributes to the literature by providing a comprehensive model and identifying GSs importance in achieving SMEs’ sustainability through financial and green lenses. This research significantly impacts government policymakers and SMEs by giving them insight into the importance of green practices, financial capabilities and SMEs’ sustainability.

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Section: Review Of Literature and Hypotheses Developmentmentioning

confidence: 99%

Investigating the relationship between government support and SMEs’ sustainability through financial and green lenses

Aslam

Rehman

Nasir

2023

JBIM

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“…The exact delineation of SMEs has been a subject of debate among scholars, with a consensus yet to be reached. SMEs in developing countries are classified by the United Nations Industrial Development Organisation (UNIDO) based on their workforce size, which is stratified into small (5-9) and medium (20)(21)(22)(23)(24)(25)(26)(27)(28)(29) categories. In contrast, the National Board for Small Scale Industries (NBSSI) in Ghana employs a criterion for defining SMEs that takes into account the number of employees and the balance sheet of the enterprise (capped at US$100,000, exclusive of property and buildings).…”

Section: Msme Farmers In Ghanamentioning

confidence: 99%

“…The significance of small firms in the economic development of nations has been widely acknowledged in academic literature (Gherghina et al, 2020). The acquisition of external loan financing for the purpose of business development and growth poses a challenge for managers and entrepreneurs of small firms in developing countries, as indicated by recent research (Khan & Anuar, 2018;Kautonen et al, 2020).…”

Section: Access To Creditmentioning

confidence: 99%

“…Credit refers to the capacity to obtain capital in exchange for a commitment to repay at a designated point in the future. Khan and Anuar (2018) define credit accessibility as the level of complexity involved in obtaining credit from lenders with the aim of augmenting business efficacy. Similarly, Wasiuzzaman and Nurdin (2019) have defined access to credit as the lack of any hindrances, whether related to price or non-price factors, in the utilization of credit.…”

Section: Access To Creditmentioning

confidence: 99%

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Does Loan Size Matter in How Collateral Characteristics Relate to Credit Access?

Aidoo,

Nombare,

Kwao-Boateng

2023

JEFAS

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The study examined the moderating role of loan size on the relationship between collateral characteristics and access to credit by micro, small, and medium-sized enterprises (MSMEs) in the agricultural sector of the Ashanti Region of Ghana. In the agricultural sector, MSMEs engaged in crop, livestock, and fish farming constituted the population for the study. The study employed a quantitative research method alongside a causal research design. The Pearson multiple regression was employed to analyze the relationships among the study variables. The study found that collateral costs, registration, and insurance positively and significantly contribute to MSMEs’ credit access. Whereas loan size does not moderate the effect of collateral cost on farmers’ credit access, it negatively and significantly moderates the effect of collateral registration and insurance on credit access. Furthermore, loan size positively and significantly moderates the effect of collateral age on farmers’ access to credit. The study was restricted to MSMEs in crop, livestock, and fish farming in the Ashanti Region of Ghana, thus making generalization to the country and beyond difficult. This study is important for decision-making concerning how farmers could take advantage of their collateral to secure appreciable loans in the Ashanti Region of Ghana. No empirical study has examined the moderating role of loan size on the relationship between collateral characteristics and credit access, aside from the fact that empirical studies dominate other sectors other than the agricultural sector.

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“…Much research has been conducted to study the motivation and intentions for entrepreneurship along with the study about barriers of entrepreneurship development (Pahurkar et al , 2020; Khan and Anuar, 2018). A lot of focus has been on the value of psychological capital, but it is centered around positive emotions like self-efficacy, optimism, hope and resilience.…”

Section: Introductionmentioning

confidence: 99%

Choosing jobs over entrepreneurship: how do negative emotions demotivate the aspiring entrepreneurs?

Sharma

Kumar

2022

JEEE

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Purpose The purpose of this research paper is to understand the effect of negative emotions created from social interactions on the aspiring entrepreneurs. The government of India has recently started several entrepreneurship development schemes to promote entrepreneurship among Indian youth, but still, the turnout rate tends to be low in some eastern states. A lot of research has been done about the various motivating factors, but less attention has been paid on the social interactions that create negative emotions. Unless researchers and government focus on the value of these negative emotions as corroders of motivation, it would be hard to accomplish the goals of an entrepreneurship-oriented country. Design/methodology/approach Interviews were conducted with participants of an entrepreneurship development program at the commencement of program and after one year. Findings It was found via the study that social interaction plays a crucial role in determining their motivation toward becoming an entrepreneur. Apart from this feeling of shame, fear, vulnerability, resentment, loneliness and self-doubt are crucial negative emotions that are corroding the chances of entrepreneurship among the Indian youth. Research limitations/implications The sample size was small to conduct a quantitative analysis. If a study could be conducted on a larger scale, it would contribute immensely to the entrepreneurship literature. Social implications It is a strong reminder of how the society can help in promoting entrepreneurship. Originality/value The impact of social interactions on the motivation of budding entrepreneurs has not been studied as per the literature review.

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Access to Finance

Cited by 16 publications

References 37 publications

Investigating the relationship between government support and SMEs’ sustainability through financial and green lenses

Investigating the relationship between government support and SMEs’ sustainability through financial and green lenses

Does Loan Size Matter in How Collateral Characteristics Relate to Credit Access?

Choosing jobs over entrepreneurship: how do negative emotions demotivate the aspiring entrepreneurs?

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