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Möjligheten för småföretagande att få banklån: En jämförelsestudie mellan tre banker på mindre orter
Dalarna University, School of Technology and Business Studies, Business Administration and Management.
2019 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [sv]

Syftet med studien är att identifiera faktorer som påverkar möjligheten för småföretagare att få banklån på mindre orter. Metoden som används i studien är en kvalitativ metod som bygger på tre stycken intervjuer med respondenter som befinner sig på banker belägna på mindre orter. Kombinerat med detta genomförs en deltagande observation då jag arbetar på en av bankerna. Utifrån det insamlade materialet identifierades det att den lokala kännedomen spelar en stor roll för bankerna vid kreditgivningen tillsammans med småföretagarnas historiska skötsamhet. Samt att bankerna använder sig av scoring där de bedömer småföretagarnas återbetalningsförmåga. I övrigt är det viktigt för bankerna att småföretagen utformar en bra affärsidé som är realistisk och hållbar. Dessa kriterier är desamma oavsett kund de möter.

Abstract [en]

The purpose of the study is to identify the factors that affect the possibility for small business owners to obtain bank loan in smaller towns. The method used in the study is a qualitative method based on three interviews with relevant respondents on the banks located in smaller towns. Combined with this, a participant observations is performed because I work at one of the banks. Based on the collected material, it was identified that the local knowledge plays a major role for the banks in the granting of credit along with the historical care of the small business owners. The banks also use scoring where they assess the ability of repayment capacity. Otherwise, it is important for the banks that small companies design a good business idea that is realistic and sustainable. These criteria are the same regardless of the customer they meet.

Place, publisher, year, edition, pages
2019.
Keywords [en]
Mortgage, scoring, equity ratio, cash flow, guarantee
Keywords [sv]
Panträtt, scoring, soliditet, kassaflöde, borgen
National Category
Business Administration
Identifiers
URN: urn:nbn:se:du-29690OAI: oai:DiVA.org:du-29690DiVA, id: diva2:1297147
Available from: 2019-03-19 Created: 2019-03-19 Last updated: 2019-11-08

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CiteExportLink to record
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Citation style
  • apa
  • ieee
  • modern-language-association-8th-edition
  • vancouver
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  • chicago-note-bibliography
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
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  • nn-NO
  • nn-NB
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  • Other locale
More languages
Output format
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  • text
  • asciidoc
  • rtf