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- Berggren, Björn, 1972-, et al.
(författare)
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Affärer mellan kunder och bank- och finansföretag
- 2006. - 1
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Ingår i: Utveckling av kundrelationer i bank- och finansmarknader. - : Studentlitteratur. ; , s. 13-16
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Bokkapitel (övrigt vetenskapligt/konstnärligt)
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| 6. |
- Berggren, Björn, 1972-, et al.
(författare)
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Financing SMEs in different stages of the business cycle : Analyzing the financial search activity of Swedish SMEs between 1991 and 2000
- 2009
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Ingår i: Proceedings of the 6th International AGSE Entrepreneurship Research Exchange. - 9780980332858 ; , s. 309-323
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Konferensbidrag (övrigt vetenskapligt/konstnärligt)abstract
- In this paper we analyse the financial search behaviour of small and medium sized enterprises (SMEs) in Sweden over a ten-year period, 1991-2000. We use a cluster analysis based on the level of control aversion that the entrepreneurs display, and arrive at a four-cluster solution. The results show that when the economy turns down, entrepreneurs are forced to be more active in searching for additional sources of finance. When the economy recovers, the control aversive entrepreneurs reduce their efforts in trying to get external financing. We can also see the SMEs in rural areas have greater difficulties in attracting external financing.
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| 7. |
- Berggren, Björn, 1972-
(författare)
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Finansiering av mindre företag
- 2007. - 1
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Ingår i: Mikrofinans - Ger fler småskaliga initiativ ökat globalt välstånd?. - : SparbanksAkademin. ; , s. 134-139
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Bokkapitel (övrigt vetenskapligt/konstnärligt)
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| 10. |
- Berggren, Björn, 1972-, et al.
(författare)
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Risk management strategies in housing finance: Three case studies of creating sustainable housing finance models for low-income households in developing countries
- 2009
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Ingår i: International Journal of Business Research. - 1555-1296. ; 9:3, s. 153-165
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Tidskriftsartikel (refereegranskat)abstract
- This paper analyzes the risk management strategies used by lenders to finance housing for low-income households in developing countries. Three case studies of housing finance representing three distinct typologies of local financial solutions are used to develop a model for risk management strategies. The provider of housing loans in a developing country must tackle three types of risk: development/production risk, maintenance/management risk, and income risk. Lenders use a risk management strategy that combines monitoring and trust to reduce the problems related to adverse selection and moral hazard. The study provides evidence that in creating a sustainable system for the home financing of low-income households, policymakers need to consider the comparative advantages that different lenders provide in their various roles. Furthermore, this paper fulfills an important role by combining the traditional banking and finance literature with theories concerning trust and social capital and by extending the analysis to encompass the topic of home financing for low-income households.
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