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The role of human capital in loan officers' decision policies
Jönköping University, Jönköping International Business School, JIBS, Accounting and Finance.
Jon M. Huntsman School of Business, Utah State University, United States .
Kelley School of Business, Indiana University, Bloomington, IN, United States.
Jönköping University, Jönköping International Business School, JIBS, EMM (Entrepreneurship, Marketing, Management). Jönköping University, Jönköping International Business School, JIBS Entrepreneurship Centre. Department of Entrepreneurship and Emerging Enterprises, Whitman School of Management, Syracuse University, United States.
2016 (English)In: Decision making in entrepreneurship: selected joint papers of Dean A. Shepherd / [ed] Dean A Shepherd, Edward Elgar Publishing, 2016, 315-336 p.Chapter in book (Refereed)
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.

Place, publisher, year, edition, pages
Edward Elgar Publishing, 2016. 315-336 p.
Keyword [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
National Category
Business Administration Other Industrial Biotechnology
Identifiers
URN: urn:nbn:se:hj:diva-35453DOI: 10.4337/9781784716042Scopus ID: 2-s2.0-85017380537ISBN: 9781784716035 (electronic)OAI: oai:DiVA.org:hj-35453DiVA: diva2:1092852
Note

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

Available from: 2017-05-04 Created: 2017-05-04 Last updated: 2017-07-12Bibliographically approved

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CiteExportLink to record
Permanent link

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Cite
Citation style
  • apa
  • harvard1
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
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  • asciidoc
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