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The role of human capital in loan officers' decision policies
Högskolan i Jönköping, Internationella Handelshögskolan, IHH, Redovisning och finansiering.
Jon M. Huntsman School of Business, Utah State University, United States .
Kelley School of Business, Indiana University, Bloomington, IN, United States.
Högskolan i Jönköping, Internationella Handelshögskolan, IHH, EMM (Entreprenörskap, Marknadsföring, Management). Högskolan i Jönköping, Internationella Handelshögskolan, JIBS Entrepreneurship Centre. Department of Entrepreneurship and Emerging Enterprises, Whitman School of Management, Syracuse University, United States.
2016 (engelsk)Inngår i: Decision making in entrepreneurship: selected joint papers of Dean A. Shepherd / [ed] Dean A Shepherd, Edward Elgar Publishing, 2016, s. 315-336Kapittel i bok, del av antologi (Fagfellevurdert)
Abstract [en]

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.

sted, utgiver, år, opplag, sider
Edward Elgar Publishing, 2016. s. 315-336
Emneord [en]
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
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Identifikatorer
URN: urn:nbn:se:hj:diva-35453DOI: 10.4337/9781784716042Scopus ID: 2-s2.0-85017380537ISBN: 9781784716035 (digital)OAI: oai:DiVA.org:hj-35453DiVA, id: diva2:1092852
Merknad

Tidigare publicerad i Entrepreneurship: Theory & Practice, volume 32, issue 3, 2008, pages 485-506

Tilgjengelig fra: 2017-05-04 Laget: 2017-05-04 Sist oppdatert: 2017-07-12bibliografisk kontrollert

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Bruns, VolkerWiklund, Johan

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