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The Effects Of Basel Ii Criteria On The Financing Of Small And Medium Sized Enterprises (Smes)- A Survey About The Smes Operating In The Textile Sector In Bursa

Author

Listed:
  • Melek Acar Boyacioglu
  • Alper Yazici

    () (Selcuk University)

Abstract

Basel II regulations are closely related with SMEs which have credit relationship with the banks. With Basel II, there will be a risk oriented approach in the crediting process of the banks and this approach will affect interest rate, amount, type, maturity and financial collateral of the SMEs’ credit. The aim of this study is to define the potential effects of Basel II on the financing of SMEs. In this study, Basel II criteria are described briefly and the effects of these criteria on the financing of SMEs are evaluated. Besides, the findings gathered from the SMEs operating in the textile sector in Bursa concerning their level of adaptation in this process are given. Then the results are evaluated and some suggestions are made.

Suggested Citation

  • Melek Acar Boyacioglu & Alper Yazici, 2009. "The Effects Of Basel Ii Criteria On The Financing Of Small And Medium Sized Enterprises (Smes)- A Survey About The Smes Operating In The Textile Sector In Bursa," Anadolu University Journal of Social Sciences, Anadolu University, vol. 9(1), pages 63-84, June.
  • Handle: RePEc:and:journl:v:9:y:2009:i:1:p:63-84
    as

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    File URL: http://www.anadolu.edu.tr/arastirma/hakemli_dergiler/sosyal_bilimler/pdf/2009-1/2009_01_04.pdf
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    References listed on IDEAS

    as
    1. Masako Ueda, 2004. "Banks versus Venture Capital: Project Evaluation, Screening, and Expropriation," Journal of Finance, American Finance Association, vol. 59(2), pages 601-621, April.
    2. Black, Bernard S. & Gilson, Ronald J., 1998. "Venture capital and the structure of capital markets: banks versus stock markets," Journal of Financial Economics, Elsevier, vol. 47(3), pages 243-277, March.
    3. van Pottelsberghe de la Potterie, Bruno & Romain, Astrid, 2004. "The Determinants of Venture Capital: Additional Evidence," Discussion Paper Series 1: Economic Studies 2004,19, Deutsche Bundesbank, Research Centre.
    4. Schertler, Andrea, 2003. "Driving Forces of Venture Capital Investments in Europe: A Dynamic Panel Data Analysis," Kiel Working Papers 1172, Kiel Institute for the World Economy (IfW).
    5. Andrea Schertler, 2007. "Knowledge Capital and Venture Capital Investments: New Evidence from European Panel Data," German Economic Review, Verein für Socialpolitik, vol. 8, pages 64-88, January.
    Full references (including those not matched with items on IDEAS)

    More about this item

    Keywords

    Basel II; SMEs’ Financing; Textile Sector; Survey.;

    JEL classification:

    • G30 - Financial Economics - - Corporate Finance and Governance - - - General
    • C12 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - Hypothesis Testing: General
    • C42 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods: Special Topics - - - Survey Methods
    • L67 - Industrial Organization - - Industry Studies: Manufacturing - - - Other Consumer Nondurables: Clothing, Textiles, Shoes, and Leather Goods; Household Goods; Sports Equipment

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