How Lending Officers Construe Assessments of Small and Medium-Sized Enterprise Loan Applications: A Repertory Grid Study
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
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.
Lending officers, SME loan assessments, Repertory grid technique Construing, Aggregated level.
Business Administration Applied Psychology
IdentifiersURN: urn:nbn:se:miun:diva-17570DOI: 10.1080/10720537.2013.812856ISI: 000322104800003ScopusID: 2-s2.0-84880974350OAI: oai:DiVA.org:miun-17570DiVA: diva2:573813