An exploratory study of behavioural finance insights in the Small, Medium and Micro-Enterprise creditworthiness assessment process

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dc.contributor.advisorUliana, Enricoen_ZA
dc.contributor.authorEsekow, Jeremyen_ZA
dc.date.accessioned2014-12-28T20:12:51Z
dc.date.available2014-12-28T20:12:51Z
dc.date.issued2011en_ZA
dc.description.abstractFinancial 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.en_ZA
dc.identifier.apacitationEsekow, J. (2011). <i>An exploratory study of behavioural finance insights in the Small, Medium and Micro-Enterprise creditworthiness assessment process</i>. (Thesis). University of Cape Town ,Faculty of Commerce ,College of Accounting. Retrieved from http://hdl.handle.net/11427/10454en_ZA
dc.identifier.chicagocitationEsekow, Jeremy. <i>"An exploratory study of behavioural finance insights in the Small, Medium and Micro-Enterprise creditworthiness assessment process."</i> Thesis., University of Cape Town ,Faculty of Commerce ,College of Accounting, 2011. http://hdl.handle.net/11427/10454en_ZA
dc.identifier.citationEsekow, J. 2011. An exploratory study of behavioural finance insights in the Small, Medium and Micro-Enterprise creditworthiness assessment process. University of Cape Town.en_ZA
dc.identifier.ris TY - Thesis / Dissertation AU - Esekow, Jeremy AB - 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. DA - 2011 DB - OpenUCT DP - University of Cape Town LK - https://open.uct.ac.za PB - University of Cape Town PY - 2011 T1 - An exploratory study of behavioural finance insights in the Small, Medium and Micro-Enterprise creditworthiness assessment process TI - An exploratory study of behavioural finance insights in the Small, Medium and Micro-Enterprise creditworthiness assessment process UR - http://hdl.handle.net/11427/10454 ER - en_ZA
dc.identifier.urihttp://hdl.handle.net/11427/10454
dc.identifier.vancouvercitationEsekow J. An exploratory study of behavioural finance insights in the Small, Medium and Micro-Enterprise creditworthiness assessment process. [Thesis]. University of Cape Town ,Faculty of Commerce ,College of Accounting, 2011 [cited yyyy month dd]. Available from: http://hdl.handle.net/11427/10454en_ZA
dc.language.isoengen_ZA
dc.publisher.departmentCollege of Accountingen_ZA
dc.publisher.facultyFaculty of Commerceen_ZA
dc.publisher.institutionUniversity of Cape Town
dc.subject.otherAccountingen_ZA
dc.titleAn exploratory study of behavioural finance insights in the Small, Medium and Micro-Enterprise creditworthiness assessment processen_ZA
dc.typeDoctoral Thesis
dc.type.qualificationlevelDoctoral
dc.type.qualificationnamePhDen_ZA
uct.type.filetypeText
uct.type.filetypeImage
uct.type.publicationResearchen_ZA
uct.type.resourceThesisen_ZA
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