SME Lending: Do Lending Technologies Matter? Sample Evidence from Zimbabwe

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dc.contributor.authorNyangara, Davis
dc.date.accessioned2014-12-18T06:39:11Z
dc.date.accessioned2023-06-26T12:03:30Z
dc.date.available2014-12-18T06:39:11Z
dc.date.available2023-06-26T12:03:30Z
dc.date.issued2013-10
dc.descriptionThis is an article published in the journal of World Review of Business Research. The article examines the lending technologies used by Zimbabwean banks to lend money to SMEs. This is examined within the context of Black empowerment and indigenisation policy of Zimbabwe.en_US
dc.description.abstractThis paper examines and tests the claim that bank lending technologies are responsible for the low volume of lending to SMEs in Zimbabwe. Based on a survey of directors of SMEs and bank lending officers, tests are conducted to determine if there is any evidence of discrimination against SMEs based on age, management, size, and information attributes. The study reveals that application of uniform lending criteria to SMEs and large corporates does not result in discrimination against SMEs based on age, size, management, or information attributes. Based on this evidence, the study submits that differences in SME lending between foreign and indigenous banks are due to factors other than their lending technologies. The study further provides rationale for collateral-based lending in the SMEs sector in Zimbabwe. The study however questions the static nature of lending technologies used by banks in Zimbabwe, in the wake of high nonperforming loans.en_US
dc.identifier.citationNyangara, D. 2013. SME Lending: Do Lending Technologies Matter? Sample Evidence from Zimbabwe. World Review of Business Research,Vol. 3. No. 4. pp. 219 – 230.en_US
dc.identifier.urihttp://196.220.97.103:4000/handle/123456789/463
dc.language.isoenen_US
dc.publisherWorld Review of Business Research.en_US
dc.rights.licenseThis article was downloaded from NUST Institutional repository, and is made available under the terms and conditions as set out in the Institutional Repository Policy.en_US
dc.subjectBankingen_US
dc.subjectSMEsen_US
dc.subjectLending Technologiesen_US
dc.subjectZimbabween_US
dc.subjectBlack Empowermenten_US
dc.subjectIndegenisationen_US
dc.subjectFinancial sectoren_US
dc.titleSME Lending: Do Lending Technologies Matter? Sample Evidence from Zimbabween_US
dc.typeArticleen_US
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