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An exploratory study of behavioural finance insights in the Small, Medium and Micro-Enterprise creditworthiness assessment process
Financial institutions are often reluctant to lend to smaller entrepreneurs due to perceived information asymmetry and lack of available collateral. At the nascent and new entrepreneurial levels, it is generally more difficult for loan applicants to provide the information required to secure the nec...
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| Other Authors: | |
| Format: | Thesis |
| Language: | English |
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College of Accounting
2014
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| _version_ | 1867614301246717952 |
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| access_status_str | Open Access |
| author | Esekow, Jeremy |
| author2 | Uliana, Enrico |
| author_browse | Esekow, Jeremy Uliana, Enrico |
| author_facet | Uliana, Enrico Esekow, Jeremy |
| author_sort | Esekow, Jeremy |
| collection | Thesis |
| description | Financial institutions are often reluctant to lend to smaller entrepreneurs due to perceived information asymmetry and lack of available collateral. At the nascent and new entrepreneurial levels, it is generally more difficult for loan applicants to provide the information required to secure the necessary funds. Inadequate financial information coupled with uninformative credit histories heighten the information opacity thus diminishing the entrepreneur's prospects of securing loan funding. Viable entrepreneurial projects may therefore remain unfunded largely due to uncertainty rather than riskiness. This study therefore highlights the creditworthiness assessment process and seeks to address the information opacity problem by looking to alternative sources of entrepreneurial information that may aid the loan officer. |
| format | Thesis |
| id | oai:open.uct.ac.za:11427/10454 |
| institution | University of Cape Town (South Africa) |
| language | eng |
| last_indexed | 2026-06-10T12:49:52.052Z |
| license_str | Not specified — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UCTD — University of Cape Town Open Access Repository |
| publishDate | 2014 |
| publishDateRange | 2014 |
| publishDateSort | 2014 |
| publisher | College of Accounting |
| publisherStr | College of Accounting |
| record_format | dspace |
| source_str | UCTD — University of Cape Town Open Access Repository |
| spelling | oai:open.uct.ac.za:11427/10454 An exploratory study of behavioural finance insights in the Small, Medium and Micro-Enterprise creditworthiness assessment process Esekow, Jeremy Uliana, Enrico Accounting Financial institutions are often reluctant to lend to smaller entrepreneurs due to perceived information asymmetry and lack of available collateral. At the nascent and new entrepreneurial levels, it is generally more difficult for loan applicants to provide the information required to secure the necessary funds. Inadequate financial information coupled with uninformative credit histories heighten the information opacity thus diminishing the entrepreneur's prospects of securing loan funding. Viable entrepreneurial projects may therefore remain unfunded largely due to uncertainty rather than riskiness. This study therefore highlights the creditworthiness assessment process and seeks to address the information opacity problem by looking to alternative sources of entrepreneurial information that may aid the loan officer. 2014-12-28T20:12:51Z 2014-12-28T20:12:51Z 2011 Doctoral Thesis Doctoral PhD http://hdl.handle.net/11427/10454 eng application/pdf College of Accounting Faculty of Commerce University of Cape Town |
| spellingShingle | Accounting Esekow, Jeremy An exploratory study of behavioural finance insights in the Small, Medium and Micro-Enterprise creditworthiness assessment process |
| thesis_degree_str | Doctoral |
| title | An exploratory study of behavioural finance insights in the Small, Medium and Micro-Enterprise creditworthiness assessment process |
| title_full | An exploratory study of behavioural finance insights in the Small, Medium and Micro-Enterprise creditworthiness assessment process |
| title_fullStr | An exploratory study of behavioural finance insights in the Small, Medium and Micro-Enterprise creditworthiness assessment process |
| title_full_unstemmed | An exploratory study of behavioural finance insights in the Small, Medium and Micro-Enterprise creditworthiness assessment process |
| title_short | An exploratory study of behavioural finance insights in the Small, Medium and Micro-Enterprise creditworthiness assessment process |
| title_sort | exploratory study of behavioural finance insights in the small medium and micro enterprise creditworthiness assessment process |
| topic | Accounting |
| url | http://hdl.handle.net/11427/10454 |
| work_keys_str_mv | AT esekowjeremy anexploratorystudyofbehaviouralfinanceinsightsinthesmallmediumandmicroenterprisecreditworthinessassessmentprocess AT esekowjeremy exploratorystudyofbehaviouralfinanceinsightsinthesmallmediumandmicroenterprisecreditworthinessassessmentprocess |