The aim of this study is to review the relation between loans provided to Small and Medium Enterprises (SMEs) and bank-specific variables. SMEs are very important client segment for commercial, participation as well as investment and development banks. The study covers SMEs in Turkey, data is received from Banking Regulatory and Supervisory Agency and quarterly period between 2010 and 2021 is analyzed.OLS is employed as method of analysis. Data structure is time-series. Whether bank-specific variables have statistically impact on the ratio of SME-cash-loans over total loans is the research question of this paper. Total loans over assets, non-performing-loans ratio (NPL), return on assets (ROA), return on equity (ROE), the ratio of financial assets over deposits and also the ratio of foreign assets/equity are considered as explanatory variables and leading economic-financial variables are used as control variables. Findings indicate that the ratio of SME-cash-loans are positively influenced by increase in the banks’ ratio of total loans over assets and negatively by the increase in NPL ratio, by the weight of foreign sources in liabilities of banks. The paper concludes that total loans over assets, NPL and liability structure have significant impact on SMEs-cash loans.
Alan : Sosyal, Beşeri ve İdari Bilimler
Dergi Türü : Ulusal
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