KOBİ’lere Kredi Verme Tutumu: Türk Bankacılık Sektöründe Bir Uygulama
Bank Lending Attitude to SMEs: An Application in Turkish Banking Sector

Summary/Abstract: The purpose of this study is to reveal the factors affecting the loans the banks use by Small and Medium Enterprises (SMEs). To this end, bank and market-specific variables, which are considered to affect the lending attitudes of depositors and participation banks to SMEs, were analyzed using regression analysis. As a result of the analysis, bank size and deposit interest rate variables were found to have a significant effect on SME loans. On the other hand, the result is that the profitability of the asset does not have a meaningful effect on the loans.

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