%0 Journal Article
%T SME LOAN DECISION-MAKING PROCESS: THE DECLINING ROLE OF HUMAN CAPITAL
%A Ottavia
%A Enkhbold Chuluunbaatar
%A Shiann-Far Kung
%A Ding-Bang Luh
%J Asian Academy of Management Journal
%D 2011
%I 
%X This study is intended to establish relationships among a borrower's attributes, the likelihood of loan approval, and the effect of lender's human capital in the SME loan-granting process. A conjoint analysis has been used as the main analytical tool. The results showed that: (1) a borrower's attributes are all positively related to the likelihood of loan approval on different levels, (2) officers place different weights on a borrower's attributes, and (3) human capital factors do not have significant roles in the SME loan-granting process.
%K SME loan granting
%K conjoint analysis
%K lender's human capital
%K borrower's attributes
%K likelihood of loan approval
%U http://web.usm.my/aamj/16.2.2011/AAMJ_16.2.2.pdf