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Kreditbedömningen av mikroföretag: Kreditbedömningens faktorer och påföljden av den slopade revisionsplikten
Södertörn University, School of Social Sciences.
Södertörn University, School of Social Sciences.
2012 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesisAlternative title
The credit assessment of micro-enterprises : Credit assessments factors and sanction of the abolition audit requirement (English)
Abstract [en]

Introduction: 1 November 2010  came the amendment about the audit requirement into force. The amendment concerned only micro-enterprises. The most common form offinancing for micro-enterprises are bank loans, therefore the banks play a major role in the business and wellness of micro-enterprises.

Purpose: Purpose of this paper is to examine if the credit assessment has been affected by the removal of the audit requirement for micro-enterprises.

Method: This study will be conducted by a qualitative study in the form of interviews. Five interviews were conducted, with four respondents from the large banks and    one respondent from Almi Företagspartner.

Conclusion: All respondents agreed that the audit is seen as a mark of quality, some lenders will continue to request it from the micro-enterprise while other lenders look at other factors such as ownership, relationship or business concept.

Place, publisher, year, edition, pages
2012. , 47 p.
Keyword [en]
Bank loan, external financing, information asymmetry, credit process, lenders, borrowers, micro-enterprises, relationships, audit
National Category
Business Administration
URN: urn:nbn:se:sh:diva-18640OAI: diva2:610717
Subject / course
Business Studies
Social and Behavioural Science, Law
Available from: 2013-03-13 Created: 2013-03-12 Last updated: 2013-03-13Bibliographically approved

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