04294nas|a2200469 a 4500 20260818090402.0 090602s2007 th uu|m rtm 0| a1eng d .b12057344 AIT Diss. no.SM-07-08 Le Thi Bich Ngoc Determinants of bank loan financing to private SMEs in Vietnam Pathum Thani, Thailand : Asian Institute of Technology, 2007 117 leaves : ill. Dissertation ; no. SM-07-08 A dissertation submitted in partial fulfillment of the requirements for the degree of Doctor of Philosophy, School of Management Thesis (Ph.D.) - Asian Institute of Technology, 2007 Anecdotal evidence suggests that private small and medium sized enterprises (SMEs) have limited access to bank loans. This raises a very basic question of what factors influence the bank loan availability and loan terms. A growing body of literature on the factors influencing bank financing of SMEs has not yet fully addressed several issues. Firstly, there is a lack of a model that accounts for firm growth stages in accessing bank loans. Secondly, while relationships with banks have been found to be important for SMEs' access to bank loans, the distinctive impact of interpersonal and inter-organizational relationships with banks have not been addressed. Thirdly, the impact of firm's overall networking on bank financing is largely overlooked. Finally, there is a lack of empirical tests in different contexts, especially in transition economies. This study helps narrow this gap in the literature by employing an institutional perspective and argues that a firm's legitimacy positively influences access to bank financing. Specifically, this study develops a model of determinants of bank financing by private SMEs, and tests that model in Vietnam. A combination of different research methods has been used to capture factors influencing bank financing to private SMEs in the under-studied context of Vietnam. In-depth interviews were conducted with a State bank official, bank officers and private SMEs owners. Based on insights from the interviews a literature-based-model was designed and tested with a sample of 214 private SME owner-managers. The study's results indicate that later stage firms enjoy lower interest rates and shorter loan approval times than earlier stage firms. The results also suggest there are considerable benefits associated with inter-organizational banking relationships for bank financing (higher bank loan availability with more favorable terms). On the other hand, the effects of inter-personal relationships, networking and professional management practices on bank financing are contingent on a firm's growth stage. Small business Vietnam Finance Venkatesh, Sundar, Chairperson Swierczek, F.W., Examination Committee Do Ba Khang, Examination Committee Shivakoti, Ganesh P., Examination Committee Jain, P. K., Examination Committee Government of Switzerland, Scholarship Donor Asian Institute of Technology. Dissertation ; no. SM-07-08 Full-Text http://203.159.5.9/ait-thesis/detail.php?q=B10592 .b12057344 multi u 240513 0 090602 m a u 0 mnait mnarc mnarc mnait 20 22 40 Barcode : 30050120905095 CREATED : 2009-02-06 RECORD # : i12606686 LPATRON : 0 LCHKIN : - # RENEWALS : 0 # OVERDUE : 0 IUSE3 : 1 TOT CHKOUT : 0 TOT RENEW : 0 Barcode : 30050120565352 CREATED : 2012-08-31 RECORD # : i12691756 LPATRON : 0 LCHKIN : - # RENEWALS : 0 # OVERDUE : 0 IUSE3 : 1 TOT CHKOUT : 0 TOT RENEW : 0 Barcode : 30050160000120 CREATED : 2016-03-23 RECORD # : i12903930 LPATRON : 0 LCHKIN : - # RENEWALS : 0 # OVERDUE : 0 IUSE3 : 0 TOT CHKOUT : 0 TOT RENEW : 0 Barcode : 30050121065410 CREATED : 2024-03-26 RECORD # : i13492378 LPATRON : 0 LCHKIN : - # RENEWALS : 0 # OVERDUE : 0 IUSE3 : 0 TOT CHKOUT : 0 TOT RENEW : 0 27921 27921 0 0 0 0 MAIN MAIN mnait 2026-08-18 50.00 0 AIT Diss. no.SM-07-08 30050120905095 2026-08-18 09:04:02 1 2026-08-18 20 0 0 0 0 MAIN MAIN mnarc 2026-08-18 0 AIT Diss. no.SM-07-08 30050120565352 2026-08-18 09:04:02 3 2026-08-18 22 0 0 0 0 MAIN MAIN mnarc 2026-08-18 0 AIT Diss. no.SM-07-08 30050160000120 2026-08-18 09:04:02 1 2026-08-18 40 0 0 0 0 MAIN MAIN mnait 2026-08-18 50.00 0 AIT Diss. no.SM-07-08 30050121065410 2026-08-18 09:04:02 2 2026-08-18 20