An Analysis of SBA Loan Repayment Performance: Comparisons by Industry

John F. Herrman

Entrepreneurship Theory and Practice, 1983, vol. 7, issue 3, 3-9

Abstract: The purpose of this study was to identify managerial and financial variables that are related to small business loan performance. The study involved statistical analysis of Small Business Administration loans that were made by the Los Angeles District Office from 1972 through 1975. Information on entrepreneurs and their businesses was obtained from SBA loan applications, attachments, and supplementary forms. A random sample of 396 business loans provided data for this study. For the sample, as a whole, industrial classification was not found to be an important factor in the influence of managerial and financial variables on loan performance. However, when the sample was subdivided by loan program and lender, there was a significant difference in the explanation of loan performance between retail and manufacturing industries. When the sample was subdivided by loan program for retail trade, there was not a significant difference in the explanation of loan performance by program.

Date: 1983
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Persistent link: https://EconPapers.repec.org/RePEc:sae:entthe:v:7:y:1983:i:3:p:3-9

DOI: 10.1177/104225878300700303

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