SCIRP Mobile Website
Paper Submission

Why Us? >>

  • - Open Access
  • - Peer-reviewed
  • - Rapid publication
  • - Lifetime hosting
  • - Free indexing service
  • - Free promotion service
  • - More citations
  • - Search engine friendly

Free SCIRP Newsletters>>

Add your e-mail address to receive free newsletters from SCIRP.


Contact Us >>

WhatsApp  +86 18163351462(WhatsApp)
Paper Publishing WeChat
Book Publishing WeChat

Article citations


Gebremedihin, K.T. (2010) Determinants of Successful Loan Repayment Performance of Private Borrowers in Development Bank of Ethiopia North Region. Master Thesis, Mekelle University, Mekelle.

has been cited by the following article:

  • TITLE: Factors Influencing Credit Decision for Lending SMEs: A Case Study on National Bank of Egypt

    AUTHORS: Ekhaa Boushnak, Mohamed A. Rageb, Aiman A. Ragab, Ahmed M. Sakr

    KEYWORDS: Credit Assessments, Credit Decision, Small and Medium-Sized Enterprises (SMEs), Egypt

    JOURNAL NAME: Open Access Library Journal, Vol.5 No.11, November 20, 2018

    ABSTRACT: Small and Medium Enterprises (SMEs) play a vital role in the global economy. It had a major part in creating jobs and as a source of social sta-bility, either there is major contribution for SMEs in Egypt as it faces great economy challenges that need cooperation from all parties. However, access to finance is still one of the greatest obstacles facing SMEs all over the world and prevents them from developing. This research is important to fill the research gap which appears in the limited researches that present main factors adopted by the credit decision maker in Banks for evaluating the SMEs. Purpose of this study is to make a progress for filling the gap through exploring these factors. The research was guided by the following research questions: What are the factors that influence credit decision making for lending SMEs? What framework is available to improve the SMEs lending process in the Egyptian Banks? Case study strategy and Quantitative Methods were adopted. Data was gathered from 313 structured questionnaires answered by credit risk and marketing employees from National Bank of Egypt (NBE). The author tested five hypotheses on the relationship between variables, with the SPSS “Package for the Social Sciences” and AMOS “Analysis of a Moment Structure”. They were utilized to interpret the results. The findings provide evidence that factors, like Owner/Manager Character, Capacity, Firm Capital Size, Credit Bureau Report with the availability and Credibility of Financial statements, had a huge impact on Credit Decision for lending SMEs. From the research results, there was framework designing to enhance the credit risk assessment process, which could decrease the uncertainty and time consuming in the lending decision and it might reflect positively on the national economy development.