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The New Paradigm in Small and Medium-sized Enterprise Finance: Evidence from Turkish Banks

Author

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  • Hatice JENKINS

    (Eastern Mediterranean University)

Abstract

Over many decades, numerous cross-country studies and policy papers have argued that banks are not interested in lending to small and medium-sized enterprises (SMEs). In recent years, the visible transformation in the way that many banks are conducting business with SMEs suggests that a paradigm shift is taking place in SME finance. This country study contributes to the newly emerging literature on the subject by providing evidence on how this transformation is taking place in the Turkish banking sector. The findings of this research reveal that in Turkey, the large banks are not only allocating a bigger share of their loan portfolio to SMEs but are also reaching down to the smaller businesses more than the small banks are doing. These findings underline the importance of the large commercial banks for increasing SMEs’ access to finance in the Turkish economy.

Suggested Citation

  • Hatice JENKINS, 2014. "The New Paradigm in Small and Medium-sized Enterprise Finance: Evidence from Turkish Banks," Iktisat Isletme ve Finans, Bilgesel Yayincilik, vol. 29(335), pages 45-72.
    • Handle: RePEc:iif:iifjrn:v:29:y:2014:i:335:p:45-72
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    Cited by:

    1. Hatice Jenkins & Monir Hossain, 2017. "An Analysis of the Macroeconomic Conditions Required for SME Lending: Evidence from Turkey and Other Emerging Market Countries," Panoeconomicus, Savez ekonomista Vojvodine, Novi Sad, Serbia, vol. 64(1), pages 77-92, December.
    2. Hatice Jenkins & Monir Hussain, 2014. "An Analysis of the Macroeconomic Conditions Required for SME Lending: The Case of Turkey," Development Discussion Papers 2014-06, JDI Executive Programs.

    More about this item

    Keywords

    SMEs; Access to credit; Bank lending; Turkey;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • O12 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Microeconomic Analyses of Economic Development

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