Décision d'octroi de crédit bancaire aux PME et diversité des critères d'évaluation par le banquier

Anissa Chebil and Thierry Levy-Tadjine ()
Additional contact information
Anissa Chebil: ICI et ISG Sousse
Thierry Levy-Tadjine: ICI - Laboratoire Information, Coordination, Incitations - UEB - Université européenne de Bretagne - European University of Brittany - UBO - Université de Brest - Télécom Bretagne - IMT - Institut Mines-Télécom [Paris] - IBSHS - Institut Brestois des Sciences de l'Homme et de la Société - UBO - Université de Brest

Working Papers from HAL

Abstract: This article is based on an investigation about 65 Tunisian bankers' comportments for Small-Business credit attribution or rationing. Entrepreneurial literature suggests that subjective aspects (psychology of the entrepreneur; motivation; personal capabilities) of the application form for obtaining a banking credit are taken into consideration as classical objective elements (budget; market studies...). Effectively, subjective aspects are considered as a good predictor for entrepreneurial success. Nevertheless the results of this article study are more contrasted than literature suggests. There exist a coexistence of various banking attitudes and only parts of the bankers do take care of entrepreneurs' personal capabilities.

Keywords: Small-Business; Banking credit; Entrepreneur's personal capabilities; Similarity Multidimensional Analysis; Tunisia.; PME; Financement Bancaire; Personnalité de l'entrepreneur; Analyse Multidimensionnelle de Similarité; Tunisie.; Tunisie (search for similar items in EconPapers)
Date: 2009
Note: View the original document on HAL open archive server: https://hal.science/hal-00847575
References: Add references at CitEc
Citations:

Downloads: (external link)
https://hal.science/hal-00847575/document (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:hal:wpaper:hal-00847575

Access Statistics for this paper

More papers in Working Papers from HAL
Bibliographic data for series maintained by CCSD ().