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Social and Behavioral Sciences Commons™
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Full-Text Articles in Social and Behavioral Sciences
Strategies For Providing Loans To Small Businesses, Linda Faye Evans
Strategies For Providing Loans To Small Businesses, Linda Faye Evans
Walden Dissertations and Doctoral Studies
Between 2007 and 2013, the number of loans banks provided to small and medium-sized enterprises (SMEs) declined. The purpose of this single case study was to explore the strategies that senior bank lending officers used to improve lending to SMEs. The sample size consisted of 4 senior small business lending officers who have in lending for 5 or more year in Houston, Texas. The conceptual framework used was agency theory. Data were collected using semistructured interviews with 4 senior bank lending officers from a bank in the Houston, Texas area, a review of documents from lending officers, and other artifacts …
Strategies To Reduce Risks Associated With Corporate Social Responsibility Lending, Victor Johnson
Strategies To Reduce Risks Associated With Corporate Social Responsibility Lending, Victor Johnson
Walden Dissertations and Doctoral Studies
Bank managers have transacted six trillion dollars of new loans in low and moderate income (LMI) communities because of the Community Reinvestment Act (CRA) mandate. CRA originated mortgages accounted for over 42% of the defaulted loans because of limited risk strategies. Based on the Aguilera conceptual framework, the purpose of this exploratory single case study was to explore the strategies CSR bank managers used to reduce the risks associated with lending in LMI communities. Data were collected and analyzed from semistructured interviews of five bank managers working in one financial organization located within the U.S. Northeast. Data also included the …