Viverita, Viverita and Lubis, Arief W. and Bustaman, Yosman and Riyanti, Ririen S. (2015) Foreign Bank Entry and Credit Allocation to SMEs: Evidence from ASEAN Countries. Procedia : Social and Behavioral Sciences, 211. pp. 1049-1056. ISSN 1877-0428
|
Text
Foreign Bank Entry and Credit Allocation to SMEs.pdf Download (305kB) | Preview |
|
|
Text
Foreign Bank Entry and Credit Allocation to SMEs Evidence from ASEAN Countries.pdf Download (1MB) | Preview |
Abstract
This study assesses the impact of foreign banks penetration based on their mode of entry: Greenfield and takeover of previously domestic-owned banks on the credit allocation to SMEs. The results reveal that Greenfield banks tend to lend smaller proportion to SMEs than take-over banks. This result implies that greenfield banks have comparative disadvantages in lending to more opaque borrowers, therefore ‘cream-skimming’ them and prefer to lend to “credit-worthy” customers like large corporations. The findings suggest that without any specific policy from regulators to fulfill the needs of SMEs, foreign banks will always tend to benefit only large corporations.
| Item Type: | Article |
|---|---|
| Uncontrolled Keywords: | Foreign bank; Greenfield; Take over; Credit Allocation; SMEs; ASEAN |
| Subjects: | H Social Sciences > HD Industries. Land use. Labor > HD2340 Small and medium-sized businesses H Social Sciences > HG Finance > HG1501-3550 Banking H Social Sciences > HG Finance > HG3691-3769 Credit. Debt. Loans |
| Divisions: | Faculty of Business Administration and Communication > Department of Accounting |
| Depositing User: | Maria Lamury |
| Date Deposited: | 11 Sep 2020 16:29 |
| Last Modified: | 24 Sep 2020 15:13 |
| URI: | http://repository.sgu.ac.id/id/eprint/1766 |
Actions (login required)
 |
View Item |