 THE SMALL ENTERPRISE-BANK LENDER RELATIONSHIP: FURTHER EMPIRICAL EVIDENCEJ. Terence Zinger
Journal of Enterprising Culture (JEC), 2002, vol. 10, issue 03, 189-207 Abstract: This paper explores selected aspects of the small enterprise-bank lender relationship. Using a sample of small businesses based in Northern Ontario, Canada, it is found that loan approval rates are high and very few borrowers can be classified as being disappointed with their present bank financing arrangements, The results suggest that business size, as measured by the number of full time employees, is positively associated with the level of satisfaction with bank financing arrangements, thus providing partial support for previous studies that have reported that problems between small business borrowers and their banks are more evident for the smallest ventures. In addition, this level of satisfaction is also related to the incidence of visits by the lender to the small firm's place of business. Further, it is found that the sample firms are not accessing non-bank financial institutions to the same degree as their counterparts in other regions of the country. The general implications of these results are discussed and opportunities for further research are identified. Date: 2002 Downloads: (external link) Related works: Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text Persistent link: https://EconPapers.repec.org/RePEc:wsi:jecxxx:v:10:y:2002:i:03:n:s0218495802000086 Ordering information: This journal article can be ordered from DOI: 10.1142/S0218495802000086 Access Statistics for this article Journal of Enterprising Culture (JEC) is currently edited by Teck-Meng Tan More articles in Journal of Enterprising Culture (JEC) from World Scientific Publishing Co. Pte. Ltd. |
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