2026-10-23T23:13:27Z https://meral.edu.mm/oai

oai:meral.edu.mm:recid/00008519 2024-09-04T07:53:48Z 1582963436320 1582963436320:1582965701379

Factor Influrancing Financial Access of SMEs Toward Private Commerival Banks ( Tun Aung Kyaw, 2022) Tun Aung Kyaw This study attempts to analyze the factors influencing financial access of SMEs towards private commercial banks in Yangon region. There are many influencing factors to get financing from the private commercial banks by SMEs and these factors are important in growth and development of the SMEs. In this study, the seven influencing factors are considered which one relationship of enterprise with bank, collateral, capacity of SMEs, size of SME, business plan of SMEs, qualification of SME owner and financial transparency. There are eleven banks that receive SME loans in Myanmar, out of which three big banks will be selected and surveyed. The target population 30% of the SME owner by doing sample random sampling. Primary data are collected through research questionnaires on five-point likert scale with Google form and printed form. Descriptive research method, quantitative research approach and regression analysis were mainly used of the research methods in interpretation of the collected information. The study finds out the higher agreement of the selected influencing factors from SME owners with regards to access to finance. Based on the linear regression analysis result of the only four variables, namely collateral, capacity of SMEs, qualification of SME owner and financial transparency show significant variation in access to finance. The finding strongly recommends that SMEs should have a good understanding on collateral requirements, need to develop the capacity of SME by both in skillful employees and turnover, need to develop the management quality of the SME owner and need to have thorough and concise financial transparency to get access to finance from private commercial banks. The implication of the finding is that SME owners in Yangon region, stakeholders in SME industry and private commercial banks have a chance of understanding and identifying to promote access to finance by reviewing the influencing factors of financial access by SMEs to grow their businesses. 2022-10-01 https://meral.edu.mm/records/8519