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How Lending Officers Construe Assessments of Small and Medium-Sized Enterprise Loan Applications: A Repertory Grid Study
Mid Sweden University, Faculty of Human Sciences, Department of Business, Economics and Law.
Mid Sweden University, Faculty of Human Sciences, Department of Business, Economics and Law.
Mid Sweden University, Faculty of Human Sciences, Department of Business, Economics and Law.ORCID iD: 0000-0001-5731-0489
2013 (English)In: Journal of constructivist psychology, ISSN 1072-0537, E-ISSN 1521-0650, Vol. 26, no 4, 262-279 p.Article in journal (Refereed) Published
Abstract [en]

Repertory grid technique and principal component analysis were used to map and analyze how 75 lending officers (LOs) viewed their assessments of small and medium-sized enterprises’ loan applications in one bank and region. A standard set of elements and constructs, derived during pre- and pilot studies, was used. Analysis of individual grids demonstrated that the principal components indicated the existence of similarities in LOs’ construing at an aggregated level. Analysis of the mean grid of all respondents indicated that the LOs were encouraged by the bank's lending strategy and supporting system(s) to perform “procedural lending” with a focus on hard and future-oriented information. At the same time, the LOs deemphasized relationship lending, in particular, personal relationships.

Place, publisher, year, edition, pages
Taylor & Francis Group, 2013. Vol. 26, no 4, 262-279 p.
Keyword [en]
Lending officers, SME loan assessments, Repertory grid technique Construing, Aggregated level.
National Category
Business Administration Applied Psychology
Identifiers
URN: urn:nbn:se:miun:diva-17570DOI: 10.1080/10720537.2013.812856ISI: 000322104800003Scopus ID: 2-s2.0-84880974350OAI: oai:DiVA.org:miun-17570DiVA: diva2:573813
Available from: 2012-12-03 Created: 2012-12-03 Last updated: 2017-12-07Bibliographically approved
In thesis
1. Bank risk management: How do bank employees deal with risk at the strategic and operational levels?
Open this publication in new window or tab >>Bank risk management: How do bank employees deal with risk at the strategic and operational levels?
2017 (English)Doctoral thesis, comprehensive summary (Other academic)
Place, publisher, year, edition, pages
Sundsvall: Mid Sweden University, 2017. 140 p.
Series
Mid Sweden University doctoral thesis, ISSN 1652-893X ; 263
Keyword
Banks, Bank employees, Bank lending, Risk management, the Basel Accords, Global financial crisis, Banker, Bankanställda, Basel-standarden, den globala finanskrisen, Kreditgivning, Riskhantering
National Category
Business Administration
Identifiers
urn:nbn:se:miun:diva-30734 (URN)978-91-88527-16-5 (ISBN)
Public defence
2017-06-05, M102, Holmgatan 10, Sundsvall, 13:15 (Swedish)
Opponent
Supervisors
Note

Vid tidpunkten för disputationen var följande delarbete opublicerat: delarbete 3 accepterat.

At the time of the doctoral defence the following paper was unpublished: paper 3 accepted.

Available from: 2017-05-17 Created: 2017-05-16 Last updated: 2017-11-29Bibliographically approved

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