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Evaluation of important credit risk factors in the SME segment

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dc.title Evaluation of important credit risk factors in the SME segment en
dc.contributor.author Dvorský, Ján
dc.contributor.author Schönfeld, Jaroslav
dc.contributor.author Kotásková, Anna
dc.contributor.author Petráková, Zora
dc.relation.ispartof Journal of International Studies
dc.identifier.issn 2071-8330 Scopus Sources, Sherpa/RoMEO, JCR
dc.date.issued 2018
utb.relation.volume 11
utb.relation.issue 3
dc.citation.spage 204
dc.citation.epage 216
dc.type article
dc.language.iso en
dc.publisher Centre of Sociological Research
dc.identifier.doi 10.14254/2071-8330.2018/11-3/17
dc.relation.uri https://www.jois.eu/?457,en_evaluation-of-important-credit-risk-factors-in-the-sme-segment
dc.subject Banks en
dc.subject Company’s age en
dc.subject Credit risk en
dc.subject Education of businesspersons en
dc.subject Gender en
dc.subject Small and medium-sized enterprises en
dc.description.abstract The aim of the paper is to define important credit risk factors in the SME segment, find out how entrepreneurs evaluate these factors, and quantify the differences in their evaluation based on the enterprise’s age, gender and attained education level. An empirical research was conducted in relation to the defined aim. 1,141 responses were received by means of the online questionnaire. To process the results, the two-sample t-test was used. Statistical tools such as histogram, Q-Q graph, z-test, and goodness-of-fit tests were applied to verify the assumptions. The results indicate that small and medium-sized enterprises perceive credit risk more intensively in comparison with the pre-crisis era. It was also discovered that the SMEs’ knowledge of credit criteria is somewhat low. Entrepreneurs also state that banks’ credit criteria are not very transparent. Based on the findings, the length of operating a business has a significant influence on the evaluation of credit risk factors. Experienced entrepreneurs, meaning those operating a business for over 10 years, have a more intense perception of the significance of credit risk, they also have better knowledge of banks’ credit criteria, and view credit criteria as more transparent than beginner entrepreneurs. An interesting finding is that the length of operating a business reduces the differences in the evaluation of important credit risk factors in regard to entrepreneurs’ gender and age. © Foundation of International Studies, 2018 and CSR. en
utb.faculty Faculty of Management and Economics
dc.identifier.uri http://hdl.handle.net/10563/1008298
utb.identifier.obdid 43879086
utb.identifier.scopus 2-s2.0-85055469331
utb.source j-scopus
dc.date.accessioned 2019-01-03T12:31:43Z
dc.date.available 2019-01-03T12:31:43Z
dc.rights Attribution 3.0 Unported
dc.rights.uri https://creativecommons.org/licenses/by/3.0/
dc.rights.access openAccess
utb.contributor.internalauthor Dvorský, Ján
utb.fulltext.affiliation Ján Dvorský, Jaroslav Schönfeld, Anna Kotásková, Zora Petráková Faculty of Management and Economics, Tomas Bata University in Zlín, Czech Republic j1dvorsky@fame.utb.cz Faculty of Business Administration, University of Economics, Czech Republic schonfeld@vse.cz Faculty of Economics and Business, Paneuropean University in Bratislava, Slovak Republic anna.kotaskova@gmail.com Faculty of Civil Engineering, Slovak University of Technology Slovak Republic zora.petrakova@stuba.sk
utb.fulltext.dates Received: November, 2017 1st Revision: February, 2018 Accepted: June, 2018
utb.scopus.affiliation Faculty of Management and Economics, Tomas Bata University, Zlín, Czech Republic; Faculty of Business Administration, University of Economics, Czech Republic; Faculty of Economics and Business, Paneuropean University, Bratislava, Slovakia; Faculty of Civil Engineering, Slovak University of Technology, Slovakia
utb.fulltext.faculty Faculty of Management and Economics
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