HOW DOES THE IMPACT OF FINANCIAL PERFORMANCE ON BANK CREDIT ACCESS OF SMEs DIFFER DEPENDING ON EXECUTIVE-LEVEL CHARACTERISTICS?

Year 2024, , 237 - 249, 28.06.2024

Mehmet Civelek

https://doi.org/10.17130/ijmeb.1430919

Abstract

The financial performance of SMEs (small and medium-sized enterprises) plays a crucial role in
bank credit access of these enterprises and the economies of countries where they operate. However, firm’
executives’ Resource-based View (RBV) characteristics can differently affect the financial performance
of SMEs that they manage, therefore, credit access of SMEs can differ. In this regard, this paper aims
to analyze whether the impact of financial performance on bank access to finance differs depending on
executives’ educational status, gender, and sectoral experience or not. In line with this aim, this research
collects data from 479 randomly selected respondents by directing an online questionnaire. After that, the
research data is analyzed by employing a Binary Logistic Regression Test. According to the results, the
impact of financial performance on credit access differs depending on the gender and sectoral experience
of firms’ executives. However, the educational status of firm executives does not play any role in the
impact of financial performance on access to finance.

Keywords

SMEs, Financial performance, bank credit, resource-based view, financial management

KOBİ’LERİN FİNANSAL PERFORMANSININ BANKA KREDİSİNE ERİŞİMDEKİ ETKİSİ ÜST DÜZEY YÖNETİCİLERİNİN ÖZELLİKLERİNE GÖRE NASIL DEĞİŞİR?

Abstract

KOBİ’lerin (Küçük ve Orta Büyüklükteki İşletmelerin) finansal performansları onların krediye
erişiminde ve faaliyet gösterdikleri ülkelerin ekonomisine yaptıkları katkıda büyük rol oynamaktadır. Fakat
KOBİ’lerin üst düzey yöneticilerinin kaynak temelli teoriye dayanan özellikleri onların yönettikleri firmaların
finansal performansına farklı şekilde etki ederek, firmaların banka kredisine erişiminde farklılıklara sebep
olabilir. Bu bağlamda, bu çalışma KOBİ’lerin finansal performanslarının banka kredisine erişim üzerindeki
etkisinin yöneticilerinin eğitim seviyesine, cinsiyetlerine ve deneyimlerine göre farklılık gösterebilmesi
durumunu analiz etmeyi amaçlamaktadır. Bu amaç doğrultusunda, bu çalışma tesadüfü örnekleme yöntemi
ile seçilen 479 firmadan anket yolu ile veri toplamıştır. Daha sonra toplanan bu veriler çalışmanın amacı
doğrultusunda İkili Lojistik Regresyon yöntemi ile analiz edilmiştir. Analiz sonuçlarına göre, finansal performansın krediye erişim üzerindeki etkisi yöneticinin cinsiyeti ve sektör deneyimine göre farklılık
göstermektedir. Fakat yöneticilerin eğitim seviyesinin finansal performansın krediye erişim üzerindeki etkisi üzerinde herhangi bir rolü bulunmamaktadır.

Keywords

KOBİ, Finansal Performance, banka kredisi, kaynak temelli teori, finansal yönetim

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