Determinants of Loan Repayment Performance of Small and Medium Enterprises (SMEs) in Ghana: The Case of Asante Akyem Rural Bank

被引：6

作者：

Salifu, Ahmed Tijani ^{[1
]}

Tofik-Abu, Zakiya ^{[2
]}

Rahman, M. Arifur ^{[3
]}

Sualihu, Mohammed Aminu ^{[4
]}

机构：

[1] Islamic Univ Coll Ghana, Dept Accounting, Accra, Ghana

[2] Alijos Consultancy Serv, Konongo, Ghana

[3] North South Univ, Sch Business & Econ, Dhaka, Bangladesh

[4] Monash Univ, Monash Business Sch, Caulfield, Vic, Australia

来源：

JOURNAL OF AFRICAN BUSINESS | 2018年 / 19卷 / 02期

关键词：

Loan repayment performance; small and medium-sized enterprises; Rural Bank; Ghana;

D O I：

10.1080/15228916.2018.1440460

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

We examine the role of a typical set of determinants of loan repayment performance of SMEs in the context of a rural bank's setting in Ghana. Our analysis using survey data suggests that, while higher application cost, loan size and interest rate exert significantly negative influence on loan repayment, higher educational background of the SME operators is associated with significantly better repayment performance. Interestingly, in comparison with those with only primary-level education, SME operators with tertiary education register the best repayment performance followed by those with secondary education. We provide detailed discussion and managerial implications of these findings.

引用

页码：279 / 296

页数：18

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