THE EFFECTS OF BASEL II CRITERIA ON THE FINANCING OF SMALL AND MEDIUM SIZED ENTERPRISES (SMES)- A SURVEY ABOUT THE SMES OPERATING IN THE TEXTILE SECTOR IN BURSA

Melek Acar Boyacioglu and Alper Yazici ()
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Alper Yazici: Selcuk University

Anadolu University Journal of Social Sciences, 2009, vol. 9, issue 1, pages 63-84

Abstract: Basel II regulations are closely related with SMEs which have credit relationship with the banks. With Basel II, there will be a risk oriented approach in the crediting process of the banks and this approach will affect interest rate, amount, type, maturity and financial collateral of the SMEs’ credit. The aim of this study is to define the potential effects of Basel II on the financing of SMEs. In this study, Basel II criteria are described briefly and the effects of these criteria on the financing of SMEs are evaluated. Besides, the findings gathered from the SMEs operating in the textile sector in Bursa concerning their level of adaptation in this process are given. Then the results are evaluated and some suggestions are made.

Keywords: Basel II; SMEs’ Financing; Textile Sector; Survey. (search for similar items in EconPapers)
JEL-codes: G30 C12 C42 L67 (search for similar items in EconPapers)
Date: 2009
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Persistent link: http://EconPapers.repec.org/RePEc:and:journl:v:9:y:2009:i:1:p:63-84

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