(Opportunities for Bank Financing of Agro Producers in Bulgaria)

2016 ◽  
Author(s):  
Kameliya Bojinova
Keyword(s):  
Bank Financing

Bank Financing as an Incentive for Earnings Management in Business Start-Ups

2007 ◽  
Author(s):  
Nancy Huyghebaert ◽  
Heidi J. C. Vander Bauwhede ◽  
Marleen Willekens
Keyword(s):  
Earnings Management ◽  
Bank Financing ◽  
Start Ups

Influence of Entrepreneur and Firm Characteristics in Accessing Bank finance

2021 ◽  
Vol 5 (3) ◽  
pp. 41-52
Author(s):  
Kili Muhindi Rop ◽  
◽  
Edgar Ouko Otumba ◽  
Peter Kibas ◽  
Bernard Kibet i Nassiuma ◽  
...  
Keyword(s):  
High Performance ◽  
Service Providers ◽  
Firm Characteristics ◽  
Chi Square ◽  
Business Plans ◽  
Access To Credit ◽  
Bank Financing ◽  
Business Form ◽  
Chi Square Test ◽  
Medium Enterprise

SMEs are mostly guided by the owners’ characteristics which is an indicator of the level of decisions taken in the firm. Access to credit is a prerequisite for a high performance of an SME. The paper aimed at establishing the empirical link between entrepreneurs and firm characteristics and access to bank financing by SMEs in Eldoret town. Descriptive and explanatory research designs were employed in the study. A chi-square test of association was used to determine the relationship between study variables. The study findings indicated that gender and number of employees had a significant influence on access to bank financing. Male entrepreneurs are more likely to get bank financing compared to their female counterparts, while an increase in the number of employees increases the success rate of getting bank financing. However, age, education, business form, number of years of operation, stage of business and average turnover were found to be insignificant in obtaining funding. The study concluded that entrepreneur characteristics namely gender and relation to business and firm characteristics specifically structure of the business, economic sector and the average turnover determines the likelihood of banks financing SMEs. Entrepreneurial and firm characteristics were found to be important in access to bank financing. The study recommended that government and other service providers incorporate additional simplified components to their training packages to cover such areas as bookkeeping and development of business plans. Banks should develop lending policies which are friendly to Small and Medium Enterprise contexts. Keywords: Entrepreneur, firm characteristics, access, bank financing, SMEs

scholarly journals Faktor - Faktor Yang Mempengaruhi Penyaluran Pembiayaan Perbankan Syariah Indonesia Periode 2009 - 2019

2019 ◽  
Vol 1 (1) ◽  
pp. 1
Author(s):  
Warto Warto ◽  
R Bambang Budhijana
Keyword(s):  
Commercial Bank ◽  
Optimal Growth ◽  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Business Unit ◽  
Significance Level ◽  
Bank Financing ◽  
Analysis Technique ◽  
Research Period

Compared to conventional banking, the distribution of Islamic banking financing is more optimal, growth is continuous and asset enhancement is very good. This is indicated by the Financing to Deposit Ratio (FDR) which ranges between 94.88%. This means that a Sharia Bank is able to meet the targets and expectations of Bank Indonesia. Given the lack of Islamic banks and their limited assets, this optimization is certainly influenced by many factors, therefore it is necessary to test the factors that influence the distribution of Islamic banking financing, which includes Third Party Funds (DPK), Non Performing Financing (NPF) and Bank Indonesia Syariah Certificate (SBIS). This study uses the Sharia Commercial Bank and the Sharia Business Unit as a whole as a unit of research object, with the research period from 2009-2019 (in the quarterly period). The analysis technique used is multiple linear regression, while hypothesis testing uses the t-test to test the effect of variables partially, and the F-test to test the effect of variables simultaneously with a significance level of 5% or 0.05. Based on the research, it was found that Third Party Funds (TPF) had a positive and significant effect on the distribution of Islamic Banking financing. Non Performing Financing (NPF) has a positive and insignificant effect on the distribution of bank financing. While Sharia Bank Indonesia Certificates (SBIS) have a negative and significant effect on the distribution of bank financing.

scholarly journals PENGARUH VARIABEL EKONOMI MAKRO TERHADAP PEMBIAYAAN PERBANKAN SYARIAH PERIODE 2010-2018

2021 ◽  
Vol 24 (1) ◽  
pp. 9-15
Author(s):  
Jie Novita
Keyword(s):  
Empirical Study ◽  
Interest Rates ◽  
Least Square ◽  
Quantitative Approach ◽  
Islamic Banking ◽  
Macroeconomic Variables ◽  
Ordinary Least Square ◽  
Bank Financing ◽  
Independent Variable ◽  
Repo Rate

The purpose of the research is to examine and analyze the effect of macroeconomic variables GDP and inflation on Islamic banking financing in Indonesian. Islamic bank financing is the dependent variable, whereas GDP, reference interest rates, and inflation are the independent variable. The data used is Islamic banking financing, GDP, reference interest rates, and inflation in Indonesian from 2010-1018. This empirical study uses a quantitative approach and method of OLS (Ordinary Least Square). The results of this research indicate that the GDP variable has positive and statistically significant effect on Islamic banking financing, the variable reference interest rates (BI Rate and BI Rate 7days Repo Rate) have negative and statistically significant effect on Islamic banking financing, the inflation variable has positive and statistically significant effect on Islamic banking financing.

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