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Do experience, education and business plan influence SMEs start-up bank loan? the case of Libya

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dc.citedby1
dc.contributor.affiliationsFaculty of Economics and Muamalat
dc.contributor.affiliationsUniversity of Sabha
dc.contributor.affiliationsUniversiti Sains Islam Malaysia (USIM)
dc.contributor.authorAbdesamed K.H.en_US
dc.contributor.authorWahab K.A.en_US
dc.date.accessioned2024-05-29T01:54:57Z
dc.date.available2024-05-29T01:54:57Z
dc.date.issued2012
dc.description.abstractThe financing of small and medium enterprises (SMEs) has been a topic of great interest among both policy-makers and researchers because of the growing importance of SMEs in the economic development around the world. There is also sizeable evidence that SMEs face large growth constraints and have less access to formal sources of external finance such as bank loans, which potentially explains the lack of SMEs' contribution to economic growth. Thus, to understand SMEs' startup financing, we rely on the human capital of owner-manager and SMEs' business strategy to investigate how human capital and business strategy influence SME startup with bank loans. Using survey data based on 76 SMEs in Tripoli and Sabha, the logit model is employed to examine the hypothesized factors. The results show that business plan and owner-manager experiences do influence SMEs' startup bank loan in Libya.en_US
dc.description.natureFinalen_US
dc.identifier.epage239
dc.identifier.issn19918178
dc.identifier.issue12
dc.identifier.scopus2-s2.0-84872710412
dc.identifier.spage234
dc.identifier.urihttps://www.scopus.com/inward/record.uri?eid=2-s2.0-84872710412&partnerID=40&md5=e25465d8e9fe959e56dbcb8444285309
dc.identifier.urihttps://oarep.usim.edu.my/handle/123456789/9593
dc.identifier.volume6
dc.languageEnglish
dc.language.isoen_USen_US
dc.relation.ispartofAustralian Journal of Basic and Applied Sciencesen_US
dc.sourceScopus
dc.subjectBusiness planen_US
dc.subjectEducationen_US
dc.subjectExperienceen_US
dc.subjectLibyaen_US
dc.subjectSMEs start-up bank loanen_US
dc.titleDo experience, education and business plan influence SMEs start-up bank loan? the case of Libyaen_US
dc.typeArticleen_US
dspace.entity.typePublication

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