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  1. Yangon University of Economics
  1. Yangon University of Economics
  2. Master of Banking and Finance (MBF/EMBF)

Factor Influrancing Financial Access of SMEs Toward Private Commerival Banks ( Tun Aung Kyaw, 2022)

https://meral.edu.mm/records/8519
https://meral.edu.mm/records/8519
4d70be77-02eb-4c29-946d-ca160cf4fe7d
d1083aa7-08ee-4811-bbc9-aae657aab107
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Tun Tun Aung Kyaw, Roll No.71, MBF(Day) 2nd Batch, 2-11-22.pdf (567 KB)
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Publication type
Thesis
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Title
Title Factor Influrancing Financial Access of SMEs Toward Private Commerival Banks ( Tun Aung Kyaw, 2022)
Language en
Publication date 2022-10-01
Authors
Tun Aung Kyaw
Description
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.
Thesis/dissertations
Yangon University of Economics
Dr. Thynn Thynn Myint
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