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研究生:潘乃新
研究生(外文):SolongoPurevjav
論文名稱:Measuring Factors That Affect Bank Loan Accessibility for Small and Medium Enterprises in Mongolia
論文名稱(外文):Measuring Factors That Affect Bank Loan Accessibility for Small and Medium Enterprises in Mongolia
指導教授:康信鴻康信鴻引用關係
指導教授(外文):Hsin-Hong Kang
學位類別:碩士
校院名稱:國立成功大學
系所名稱:國際經營管理研究所碩士班
學門:商業及管理學門
學類:其他商業及管理學類
論文種類:學術論文
論文出版年:2012
畢業學年度:100
語文別:英文
論文頁數:46
外文關鍵詞:MongoliaSmall and medium enterprisesBank loanAccessibilityLogit model
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Small and medium enterprises (SMEs) considered as a key force for growth of local economies to generate employment, to create level of new business formation, and to help diversify economic activity by innovation. Therefore, countries use SME as a poverty alleviation tool to reduce poverty.
The purpose of this study is to employ the logit model to investigate the factors affecting bank loan accessibility for SMEs in Mongolia. Survey questionnaire was used to define the factors that are mostly affecting and the sample is focusing on more micro and small businesses. The study defines what kind of characterized SMEs tend to apply for bank loan and determines what factors affect loan acceptance for those SMEs have applied for bank loan.
ABSTRACT I
ACKNOWLEDGEMENT II
TABLE OF CONTENTS III
LIST OF TABLES VI
LIST OF FIGURES VII
CHAPTER ONE INTRODUCTION 1
1.1 Research Background. 1
1.1.1 Importance of SME. 1
1.1.2 SME sector in Mongolia. 2
1.2 Research Motivation. 4
1.3 Research Objective. 6
1.4 Research Procedure. 7
CHAPTER TWO LITERATURE REVIEW 8
2.1 Definition of SMEs. 8
2.2 Management Skill. 10
2.2.1 Strategy Management. 11
2.2.2 Financial Management. 13
2.3 Access to Loan. 14
2.4 Constraint to Access to External Finance and Loan for SME. 15
2.5 Lending Criteria. 16
CHAPTER THREE RESEARCH DESIGN AND METHODOLOGY 17
3.1 Research Design. 17
3.2 Hypotheses to be Tested. 17
3.3 Method of Analysis. 18
3.4 The Model. 19
CHAPTER FOUR RESEARCH RESULT 23
4.1 Data Description. 23
4.2 Logistic Model for Dependent Variable Y1. 25
4.2.1 Logistic Regression for Overall Regression Model of Y1. 25
4.2.2 Estimate Coefficient for Independent Variables of Y1. 26
4.2.3 Estimate Coefficient for Dummy Variables of Y1. 26
4.3 Logistic Model for Dependent Variable Y2. 28
4.3.1 Logistic Regression for Overall Regression Model of Y2. 29
4.3.2 Estimate Coefficient for Independent Variables of Y2. 29
4.3.3 Estimate Coefficient for Dummy Variables of Y2. 30
4.4 Empirical Research Analysis of Dependent Variable Y1. 32
4.5 Empirical Research Analysis of Dependent Variable Y2. 34
CHAPTER FIVE CONCLUSION AND SUGGESSIONS 37
5.1. Discussion and Conclusion. 37
5.1.1 Hypothesis Result Summary. 39
5.2 Implication from the Study. 40
5.3 Research Limitation. 41
5.3.1 Sampling Error. 41
5.3.2 Unwillingness of SMEs’ Owner for Filling out the Survey. 41
5.4 Suggestion for Further Research. 41
REFERENCES 43
APPENDIX 46
Appendix 1: Survey questionnaire for SMEs’ loan acceptance from banks 46
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