ICT Small Businesses’ Access to Bank Financing

Ramzi Benkraiem and Anthony Miloudi ()

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Abstract: Studying small businesses in the ICT industry is of major importance for at least two reasons. First of all, small businesses play a crucial role in supporting growth and creating jobs. Secondly, the ICT industry in France, as in most developed countries, is one of the pillars upon which tomorrow's economy will be built. Therefore, this article aims at studying access to bank financing by French small businesses in the ICT industry. The analysis covers a sample of 539 firm-years. The empirical results seem to show that these businesses encounter difficulties accessing bank debt and financing their assets, among other things. These difficulties are particularly more significant for small businesses in the ‘service' segment than for those in the ‘production' segment.

Keywords: Small Businesses; ICT Industry; Financing; Bank Debt (search for similar items in EconPapers)
Date: 2012
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Published in Journal of Applied Business Research, 2012, 28 (1), pp.27-36

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Working Paper: ICT Small Businesses' Access to Bank Financing (2012)
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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-01121021

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