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

Öz

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.

Anahtar Kelimeler

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

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

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

Kaynakça

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