دانلود مقاله ISI انگلیسی شماره 142601
ترجمه فارسی عنوان مقاله

تجزیه و تحلیل عوامل تعیین کننده اعتبار چرخش برای شرکت های کوچک و متوسط ​​ساخت و ساز: مورد استان گاتونگ

عنوان انگلیسی
Analysis of Determinants of Revolving Credit for Small and Medium Construction Enterprises: A Case of Gauteng Province
کد مقاله سال انتشار تعداد صفحات مقاله انگلیسی
142601 2017 9 صفحه PDF
منبع

Publisher : Elsevier - Science Direct (الزویر - ساینس دایرکت)

Journal : Procedia Engineering, Volume 196, 2017, Pages 244-252

ترجمه کلمات کلیدی
تعیین کننده اعتبار چرخش، شرکت های ساختمانی کوچک و متوسط، آفریقای جنوبی،
کلمات کلیدی انگلیسی
Determinants credit revolving; construction enterprises small and medium; South Africa;
پیش نمایش مقاله
پیش نمایش مقاله  تجزیه و تحلیل عوامل تعیین کننده اعتبار چرخش برای شرکت های کوچک و متوسط ​​ساخت و ساز: مورد استان گاتونگ

چکیده انگلیسی

Small and medium construction enterprises (SMEs) are an important vehicle to drive the economic growth globally. However, this enterprise sector has been constrained by different factors that stifle their full participation in the main stream economy specially credit accessibility. There is paucity of research to verify the determinants that predict revolving credit accessibility from financial institutions in South Africa. The data was obtained using questionnaire survey. 179 small and medium contractors responded from conveniently sampled respondents in Gauteng province in South Africa. The data was analysed using Statistical Package for the Social Sciences (SPSS) version 22. The study found that the dependant variable i.e. revolving credit was not predicted by the independent variables suggested i.e. gender, age group, current position, organization ownership, tax number, location and collateral. The finding informs bank managers they should not force clients to submit collateral before awarding credit to the SMEs. The suggested model that was tested attained the Hosmer and Lemeshow Test goodness of fit hence the results were credible. However, a further study is proposed for the entire country as the researchers acknowledge limitation on the chosen location of study.