IDENTYFIKACJA CZYNNIKÓW WPŁYWAJĄCYCH NA OCENĘ RYZYKA KREDYTOWEGO MIKROPRZEDSIĘBIORSTW DZIAŁAJĄCYCH W REGIONIE ŁÓDZKIM
IDENTIFICATION OF FACTORS INFLUENCING CREDIT RISK EVALUATION OF MICROENETERPRISES FUNCTIONING IN LODZ REGION
Author(s): Bernard Kokczyński, Dorota WitkowskaSubject(s): Business Economy / Management, Micro-Economics, Financial Markets
Published by: Szkoła Główna Gospodarstwa Wiejskiego w Warszawie
Keywords: microenterprises; credit risk evaluation; credit scoring; linear regression;
Summary/Abstract: Microenterprises have limited sources of external financing that is provided mostly by banks. The aim of our research is to identify factors influencing credit risk evaluation of small firms. Investigation is provided applying linear regression using real data concerning microenterprises functioning in Lodz region which obtained different form of credits in years 2016-2018. The results show that earnings and years of operating on the market are the most important factors which affect the improvement of credibility.
Journal: Metody Ilościowe w Badaniach Ekonomicznych
- Issue Year: XXI/2020
- Issue No: 1
- Page Range: 11-19
- Page Count: 9
- Language: Polish