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  • 1.
    Bruns, Volker
    et al.
    Jönköping University, Jönköping International Business School, JIBS, Accounting and Finance.
    Fletcher, Margaret
    Banks' risk assessment of Swedish SMEs2008In: Venture Capital - An International Journal of Entrepreneurial Finance, ISSN 1464-5343 , Vol. 10, no 2, p. 171-194Article in journal (Refereed)
    Abstract [en]

    Building on the literatures on asymmetric information and risk taking, this paper applies conjoint experiments to investigate lending officers' probabilities of supporting credit to established or existing SMEs. Using a sample of 114 Swedish lending officers, we test hypotheses concerning how information on the borrower's aility to repay the loan; alignment of risk preferences; and risk sharing affect their willingness to grant credit. Results suggest that features that reduce the risk to the bank and shift the tisk to the borrower have the largest impact. The paper highlieghts the interaction between factors that influence the credit decision. Implications for SMEs, banks and research are discussed.

  • 2.
    Bruns, Volker
    et al.
    Jönköping University, Jönköping International Business School, JIBS, Accounting and Finance.
    Holland, Dan
    Jon M. Huntsman School of Business, Utah State University, United States .
    Shepherd, Dean A.
    Kelley School of Business, Indiana University, Bloomington, IN, United States.
    Wiklund, Johan
    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.
    The role of human capital in loan officers' decision policies2016In: Decision making in entrepreneurship: selected joint papers of Dean A. Shepherd / [ed] Dean A Shepherd, Edward Elgar Publishing, 2016, p. 315-336Chapter 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.

  • 3.
    Bruns, Volker
    et al.
    Jönköping University, Jönköping International Business School, JIBS, Accounting and Finance.
    Holland, Dan
    Shepherd, Dean
    Wiklund, Johan
    Jönköping University, Jönköping International Business School, JIBS, EMM (Entrepreneurship, Marketing, Management). Jönköping University, Jönköping International Business School, JIBS Entrepreneurship Centre.
    The role of human capital in loan officers' decision policies2008In: Entrepreneurship: Theory & Practice, ISSN 1042-2587, E-ISSN 1540-6520, Vol. 32, no 3, p. 485-506Article in journal (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.

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