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Décision d'octroi de crédit bancaire aux PME et diversité des critères d'évaluation par le banquier

Author

Listed:
  • Anissa Chebil

    (ICI et ISG Sousse)

  • Thierry Levy-Tadjine

    (ICI - Laboratoire Information, Coordination, Incitations - UEB - Université européenne de Bretagne - European University of Brittany - UBO - Université de Brest - Télécom Bretagne - IMT - Institut Mines-Télécom [Paris] - IBSHS - Institut Brestois des Sciences de l'Homme et de la Société - UBO - Université de Brest)

Abstract

This article is based on an investigation about 65 Tunisian bankers' comportments for Small-Business credit attribution or rationing. Entrepreneurial literature suggests that subjective aspects (psychology of the entrepreneur; motivation; personal capabilities) of the application form for obtaining a banking credit are taken into consideration as classical objective elements (budget; market studies...). Effectively, subjective aspects are considered as a good predictor for entrepreneurial success. Nevertheless the results of this article study are more contrasted than literature suggests. There exist a coexistence of various banking attitudes and only parts of the bankers do take care of entrepreneurs' personal capabilities.

Suggested Citation

  • Anissa Chebil & Thierry Levy-Tadjine, 2009. "Décision d'octroi de crédit bancaire aux PME et diversité des critères d'évaluation par le banquier," Working Papers hal-00847575, HAL.
    • Handle: RePEc:hal:wpaper:hal-00847575
    Note: View the original document on HAL open archive server: https://hal.science/hal-00847575
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