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The role of human c...
The role of human capital in loan officers' decision policies
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- Bruns, Volker (author)
- Jönköping University,IHH, Redovisning och finansiering
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Holland, Dan (author)
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Shepherd, Dean (author)
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- Wiklund, Johan (author)
- Jönköping University,IHH, EMM (Entreprenörskap, Marknadsföring, Management),JIBS Entrepreneurship Centre
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(creator_code:org_t)
- 2008-05-01
- 2008
- English.
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In: Entrepreneurship. - : SAGE Publications. - 1042-2587 .- 1540-6520. ; 32:3, s. 485-506
- Related links:
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https://urn.kb.se/re...
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https://doi.org/10.1...
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Abstract
Subject headings
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- Using a human-capital perspective and the similarity-attraction paradigm, we examine the role of general and specific human capital in the decision policies of 114 Swedish loan officers in their assessments of small-business loan requests. We found that human capital characteristics had marginal impact on decision policy contingencies and that specific human capital had no significant influence on the probability of loan approval. However, we did find that the similarity between the loan officers’ human capital and the pplicants’ human capital was a significant indicator of loan approval. The findings offer interesting insight into the heterogeneity of loan decision processes and outcomes and future research opportunities are suggested.
Subject headings
- SAMHÄLLSVETENSKAP -- Ekonomi och näringsliv -- Företagsekonomi (hsv//swe)
- SOCIAL SCIENCES -- Economics and Business -- Business Administration (hsv//eng)
- TEKNIK OCH TEKNOLOGIER -- Industriell bioteknik -- Annan industriell bioteknik (hsv//swe)
- ENGINEERING AND TECHNOLOGY -- Industrial Biotechnology -- Other Industrial Biotechnology (hsv//eng)
Keyword
- bank lending
- bank loans
- commercial lending
- SMEs Swedish SMEs
- Swedish banking system
- credit risk
- credit risk assessment
- risk management
- credit valuation
- decision making credit decision process
- credit evaluation process
- conjoint experiment
- Business studies
- Företagsekonomi
- Other bioengineering
- Övrig bioteknik
Publication and Content Type
- ref (subject category)
- art (subject category)
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