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Sectoral differences in the credit access impediments of Turkish SMEs

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dc.title Sectoral differences in the credit access impediments of Turkish SMEs en
dc.contributor.author Civelek, Mehmet
dc.contributor.author Dursun, Ibrahim
dc.relation.ispartof 14th Annual International Bata Conference for Ph.D. Students and Young Researchers (DOKBAT)
dc.identifier.isbn 978-80-7454-730-0
dc.date.issued 2018
dc.citation.spage 30
dc.citation.epage 43
dc.event.title 14th Annual International Bata Conference for Ph.D. Students and Young Researchers (DOKBAT)
dc.event.location Zlín
utb.event.state-en Czech Republic
utb.event.state-cs Česká republika
dc.event.sdate 2018-04-25
dc.event.edate 2018-04-25
dc.type conferenceObject
dc.language.iso en
dc.publisher Tomas Bata University in Zlín
dc.identifier.doi 10.7441/dokbat.2018.03
dc.relation.uri http://dokbat.utb.cz/wp-content/uploads/DOKBAT2018.pdf
dc.subject Credit Obstacles en
dc.subject Bank Credit en
dc.subject SMEs en
dc.subject Manufacturing en
dc.subject Service en
dc.subject Turkey en
dc.description.abstract Contributions of Small and Medium-sized enterprises (SMEs) that have been operating in various sectors to economies have increased over the years especially in job creation and growth. In an attempt to continue their activities in different conditions, SMEs need financing although they encounter some impediments. When it comes to the problems that firms perceive during their credit access, their feelings may differ because of being in different industries. In this context, the purpose of this research is to reveal if sectoral differences exist in perceptions of bank loan constraints for SMEs in manufacturing and service industries. Higher collateral requirements of banks, high expenses of loans and high number of procedures in credit application are the impediments that the research investigates. The sample of the study consists of 424 Turkish SMEs that are affiliated in Ankara Chamber of Commerce (ATO). Moreover, face to face surveys were performed to gain the responses from these businesses. By using Chi-Square and Z score statistics, and analyzing p values from these statistics, the study confirms that perceptions of SMEs that are in manufacturing and service sectors differ regarding to the selected credit access impediments. But contrary to the assumptions in the hypotheses that presume service firms are more likely to face with these impediments than manufacturing firms, the research finds that more SMEs in manufacturing sector perceive the chosen statements as obstacles in their credit application process than service firms do. Therefore, the research partially accepts the hypotheses. The study elucidates that manufacturing firms usually have high level of financial needs because of being exposed to higher amount of sunk costs and capital requirements to continue their activities and also make more export. These facts can make manufacturing firms risky from the banks' point of view. As a consequence of that, banks can take actions that cause tough loan conditions for SMEs in manufacturing industry and this can be the reason why more manufacturing firms in this study perceive the selected facts as obstacles than service firms do. en
utb.faculty Faculty of Management and Economics
dc.identifier.uri http://hdl.handle.net/10563/1008777
utb.identifier.obdid 43878634
utb.identifier.wok 000466529800003
utb.source d-wok
dc.date.accessioned 2019-08-13T10:17:19Z
dc.date.available 2019-08-13T10:17:19Z
dc.description.sponsorship Internal Grant Agency of FaME TBU [IGA/FaME/2017/010]
utb.contributor.internalauthor Civelek, Mehmet
utb.fulltext.affiliation Mehmet Civelek, İbrahim Dursun Tomas Bata University in Zlin, Faculty of Management and Economics Mostní 5139, 760 01 Zlín, Czech Republic civelek@fame.utb.cz International University of Sarajevo, Faculty of Business and Administration Hrasnička cesta 15, 71210, Ilidža, Sarajevo, Bosnia and Herzegovina idursun@iud.edu.ba ORCID: 0000-0002-1247-5308
utb.fulltext.dates -
utb.fulltext.sponsorship The authors are thankful to the Internal Grant Agency of FaME TBU No. IGA/FaME/2017/010: “Financial Constraints on Economic Activities” for financial support to perform this research.
utb.wos.affiliation [Civelek, Mehmet] Tomas Bata Univ Zlin, Fac Management & Econ, Mostni 5139, Zlin 76001, Czech Republic; [Dursun, Ibrahim] Int Univ Sarajevo, Fac Business & Adm, Hrasnicka Cesta 15, Sarajevo 71210, Bosnia & Herceg
utb.fulltext.projects IGA/FaME/2017/010
utb.fulltext.faculty Faculty of Management and Economics
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