Assessment on small and medium enterprises (SMEs) loan repayment behavior for women in Bangladesh
Khan, Md Mohid; Riath, Md Nasir Uddin (2021)
Khan, Md Mohid
Riath, Md Nasir Uddin
2021
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https://urn.fi/URN:NBN:fi-fe202402137040
https://urn.fi/URN:NBN:fi-fe202402137040
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The aim of this bachelor’s thesis was to provide an overall analysis of the repayment behavior of the small and medium size enterprises’ (SMEs) women loan borrowers in Bangladesh. There has been a lot of effort put into determining the socioeconomic situation factors influencing loan repayment and quantitatively determine the level of intimacy. This thesis was a qualitative and quantitative research. The objective was to conduct a qualitative and quantitative study on the chosen group regarding SME loan repayment behavior for women in Bangladesh.
Using a simple random sampling technique, data were collected from 100 SMEs units. To collect the responses, a structural questionnaire was created from various SMEs units throughout the country. The socioeconomic factors were analyzed using descriptive statistics, and the socioeconomic factors that influence the level of loan repayment were quantified using Multiple Regression Analysis. The in-depth interviews' observations and findings highlight the borrowers' reactions to repayment pressure. This pressure puts borrowers in a precarious financial situation while also disrupting their social and family lives. As a result, this research contributes to a better understanding of the repayment issues. Only a few studies on this topic have been conducted in Bangladesh so far.
This thesis provides results that the average age of the respondents was 46 years old, and the average length of education was 15 years. With a 100 percent collection rate, the loan recovery ratio is high. It has also been discovered that the age of clients, years of schooling, and nature of business have a high positive correlation with loan recovery, whereas client experiences have a moderate correlation.
In the future the research could focus on analyzing the way SME lending is handled, beginning with the sanctioning of loans, and ending of loans and particularly small- and medium-sized women borrowers' behavior.
Using a simple random sampling technique, data were collected from 100 SMEs units. To collect the responses, a structural questionnaire was created from various SMEs units throughout the country. The socioeconomic factors were analyzed using descriptive statistics, and the socioeconomic factors that influence the level of loan repayment were quantified using Multiple Regression Analysis. The in-depth interviews' observations and findings highlight the borrowers' reactions to repayment pressure. This pressure puts borrowers in a precarious financial situation while also disrupting their social and family lives. As a result, this research contributes to a better understanding of the repayment issues. Only a few studies on this topic have been conducted in Bangladesh so far.
This thesis provides results that the average age of the respondents was 46 years old, and the average length of education was 15 years. With a 100 percent collection rate, the loan recovery ratio is high. It has also been discovered that the age of clients, years of schooling, and nature of business have a high positive correlation with loan recovery, whereas client experiences have a moderate correlation.
In the future the research could focus on analyzing the way SME lending is handled, beginning with the sanctioning of loans, and ending of loans and particularly small- and medium-sized women borrowers' behavior.