Title page for ETD etd-07032011-130919


Document Type Master's Dissertation
Author Sefolo, Boitumelo
URN etd-07032011-130919
Document Title South African banks' risk assessment practices when financing entrepreneurial ventures : a comparative analysis
Degree MBA
Department Gordon Institute of Business Science
Supervisor
Advisor Name Title
Ms L Sing Supervisor
Keywords
  • entrepreneurial funding
Date 2010-11-10
Availability unrestricted
Abstract

The development of Small, Medium and Micro Enterprises (SMMEs) contributes significantly to job creation, social stability and economic welfare. Obtaining finance for start-up and growing entrepreneurial ventures has proved to be crucial for SMME growth and is therefore the prime concern of this research. This research will specifically investigate the risk assessment practices used by South African commercial banks when providing funding to entrepreneurial ventures.

In addition, the research seeks to establish whether there is consistency amongst the South African commercial banks in their risk assessments practices. Lastly to establish the impact of the global economic crisis of 2008 on the risk assessment practices of the South African commercial banks. To achieve this, a qualitative study in the form of expert interviews supported by structured research questionnaires with representatives of the four large banks was undertaken.

In summary, the findings of the research demonstrated that risk assessment practices of the South African commercial banks were consistent with the integrated theoretical framework and amongst each other. Respondents ranked the character, capacity and collateral of the business as the most important criteria when assessing term loan applications. Furthermore, the impact of the global economic crisis of 2008 resulted in the lending policies of the banks being more strictly adhered to.

Copyright 2010, University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria

Please cite as follows:

Sefolo, B 2010, South African banks' risk assessment practices when financing entrepreneurial ventures : a comparative analysis, MBA dissertation, University of Pretoria, Pretoria, viewed yymmdd < http://upetd.up.ac.za/thesis/available/etd-07032011-130919/>

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