Fundamental and behavioural factors determining bank officers’ credit decision for SME lending in Malaysia / Nigel Kollin Ondolos

• Main Author: Ondolos, Nigel Kollin
• Format: Thesis
• Language: English
• Published: 2022
• Subjects: Small and medium-sized business. History; Bank loans. Bank credit. Commercial loans
• Online Access: https://ir.uitm.edu.my/id/eprint/76765/1/76765.pdf; https://ir.uitm.edu.my/id/eprint/76765/
• Institution: Universiti Teknologi Mara

In Malaysia commercial banking practice, credit analysis for SMEs loan application involved an internal credit officers’ quantitative and qualitative decision making process. Based on the bounded rational theory, ideally, bank credit officers would be influenced by both fundamental factors and behav...