Please use this identifier to cite or link to this item: https://hdl.handle.net/10321/3733
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dc.contributor.authorHolger, J. Schmidten_US
dc.contributor.authorMason, Roger B.en_US
dc.contributor.authorBruwer, Juan-Pierréen_US
dc.contributor.authorAspeling, Jonathanen_US
dc.date.accessioned2021-12-06T10:19:20Z-
dc.date.available2021-12-06T10:19:20Z-
dc.date.issued2017-06-23-
dc.identifier.citationSchmidt, J.H., Mason, B.R., Bruwer, J-P. and Aspeling, J. 2017. Access to finance problems for small retail businesses in South Africa: comparative views from finance seekers (retailers) and finance providers (banks). Banks and Bank Systems. 12(2): 20-30. doi:10.21511/bbs.12(2).2017.02en_US
dc.identifier.issn1816-7403-
dc.identifier.issn1991-7074 (Online)-
dc.identifier.urihttps://hdl.handle.net/10321/3733-
dc.description.abstractSmall retail businesses are essential for the growth of the South African economy. Though many of these business entities need more assets to seize business opportunities, previous research studies suggest that their overall access to finance through banks and other finance providers seems to be limited. In general, small retail businesses are usually managed by entrepreneurs who lack financial knowledge, but banks, when deciding on credit applications, rely heavily on financial information, which is provided by these entrepreneurs. Notwithstanding the aforementioned, this study aimed to explore barriers that limit access to finance for South African small retailers, from the perspectives of finance providers (banking institutions) and finance seekers (small retailers). Additionally, measures were highlighted to show how those hurdles could be overcome. Qualitative research was conducted, whereby data were collected via semi-structured interviews with management personnel at banks and other financial institutions, as well as independent experts and small retail business owners and managers. The findings show that many financing opportunities are available to small retail businesses, but access to these opportunities is limited mainly owing to, inter alia, strict bank regulations and factors that are inherent to small retail business owners.en_US
dc.format.extent12 p.en_US
dc.language.isoenen_US
dc.publisherLLC CPC Business Perspectivesen_US
dc.relation.ispartofBanks and Bank Systems; Vol. 12, Issue 2en_US
dc.subjectBanksen_US
dc.subjectBusiness financeen_US
dc.subjectFinanciersen_US
dc.subjectFinancing institutionsen_US
dc.subjectSmall retail businessesen_US
dc.subjectFinance seekersen_US
dc.subjectFinance providersen_US
dc.titleAccess to finance problems for small retail businesses in South Africa : comparative views from finance seekers (retailers) and finance providers (banks)en_US
dc.typeArticleen_US
dc.date.updated2021-12-05T11:57:55Z-
dc.identifier.doi10.21511/bbs.12(2).2017.02-
item.openairetypeArticle-
item.openairecristypehttp://purl.org/coar/resource_type/c_18cf-
item.grantfulltextopen-
item.cerifentitytypePublications-
item.languageiso639-1en-
item.fulltextWith Fulltext-
Appears in Collections:Research Publications (Management Sciences)
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