A Review of Entrepreneurs’ Perspectives on Bank Loans: A Case of Elazig

İbrahim Hulusi Yıldırım; Özcan Demir

Article Details

A Review of Entrepreneurs’ Perspectives on Bank Loans: A Case of Elazig

Authors:

İbrahim Hulusi Yıldırım | Özcan Demir

Publisher:

Fırat University

Journal:

Fırat Üniversitesi Harput Araştırmaları Dergisi Vol.10 Issue 19, pp.77-98

Document Type:

Article

Publication Date:

4/2023

Document Language:

Turkish

Document ID (Org No.):

2001288030

pISSN:

2148-2527

Keywords:

Abstract:

 In this study, it is aimed to meet the credit supply that entrepreneurs need in economic activities and to analyze the level of production, trade and banking relations through a specific sample. In our study titled An Analysis of Entrepreneurs Perspectives on Bank Loans: The Case of Elazig Province, the opinions of 320 businesses operating within the provincial borders of Elazig about bank loans were taken, the frequency and amount of loan use and their approach to loan use were tried to be examined. In the study, 36 questions were asked to the participants and it was aimed to analyze the expectations and reactions of the entrepreneurs against bank loans. The data collected in the study were analyzed in the licensed SPSS 22.0 package program. In the study, descriptive statistics, reliability analysis, t-Test and one-way analysis of variance techniques ANOVA were used. As a result of the analyzes, it has been observed that there are significant differences in the perceptions and expectations of the entrepreneurs according to whether or not the entrepreneurs have a financing problem or not, or the differences in the needs of the bank loan type for their field of activity, whether or not I can use these loans, experiencing difficulties in the use of loans and the interest rates of the loans used.

 In this study, it is aimed to meet the credit supply that entrepreneurs need in economic activities and to analyze the level of production, trade and banking relations through a specific sample. In our study titled An Analysis of Entrepreneurs Perspectives on Bank Loans: The Case of Elazig Province, the opinions of 320 businesses operating within the provincial borders of Elazig about bank loans were taken, the frequency and amount of loan use and their approach to loan use were tried to be examined. In the study, 36 questions were asked to the participants and it was aimed to analyze the expectations and reactions of the entrepreneurs against bank loans. The data collected in the study were analyzed in the licensed SPSS 22.0 package program. In the study, descriptive statistics, reliability analysis, t-Test and one-way analysis of variance techniques ANOVA were used. As a result of the analyzes, it has been observed that there are significant differences in the perceptions and expectations of the entrepreneurs according to whether or not the entrepreneurs have a financing problem or not, or the differences in the needs of the bank loan type for their field of activity, whether or not I can use these loans, experiencing difficulties in the use of loans and the interest rates of the loans used.

 In this study, it is aimed to meet the credit supply that entrepreneurs need in economic activities and to analyze the level of production, trade and banking relations through a specific sample. In our study titled An Analysis of Entrepreneurs Perspectives on Bank Loans: The Case of Elazig Province, the opinions of 320 businesses operating within the provincial borders of Elazig about bank loans were taken, the frequency and amount of loan use and their approach to loan use were tried to be examined. In the study, 36 questions were asked to the participants and it was aimed to analyze the expectations and reactions of the entrepreneurs against bank loans. The data collected in the study were analyzed in the licensed SPSS 22.0 package program. In the study, descriptive statistics, reliability analysis, t-Test and one-way analysis of variance techniques ANOVA were used. As a result of the analyzes, it has been observed that there are significant differences in the perceptions and expectations of the entrepreneurs according to whether or not the entrepreneurs have a financing problem or not, or the differences in the needs of the bank loan type for their field of activity, whether or not I can use these loans, experiencing difficulties in the use of loans and the interest rates of the loans used.

 Bu çalışmada girişimcilerin ekonomik faaliyetlerde ihtiyaç duydukları kredi teminlerinin karşılanması, üretim, ticaret ve bankacılık ilişkisinin ne düzeyde olduğunu belirli bir örneklem üzerinden analiz edilmesi amaçlamaktadır. Çalışmada Elazığ il sınırları içerisinde faaliyet gösteren 320 işletmenin banka kredileri hakkında görüşleri alınmış, kredi kullanımlarının ne sıklıkta ve miktarda yapıldığı ve kredi kullanımına yaklaşımları incelenmeye çalışılmıştır. Yapılan çalışmada katılımcılara 36 soru yöneltilmiş girişimcilerin banka kredilerine karşı beklenti ve tepkileri analiz edilmiştir. Çalışmada toplanmış olan veriler lisanslı SPSS 22.0 paket programında analiz edilmiştir. Çalışmada, betimleyici istatistikler, güvenirlik analizi, t- Testi ve tek yönlü varyans analiz teknikleri ANOVA kullanılmıştır. Analizler sonucunda girişimcilerin finansman sorunu olup olmaması ve olması durumunda veya faaliyet alanlarına yönelik banka kredi türüne duyulan ihtiyaçlardaki farklılıklar yine bu kredileri kullanabilip kullanamam durumuna, kredi kullanımı durumunda sıkıntı yaşama ve kullanılan kredilerin faiz oranlarına göre girişimcilerin algı ve beklentilerinde anlamı farklılıklar olduğu gözlemlenmiştir.

Article Details

A Review of Entrepreneurs’ Perspectives on Bank Loans: A Case of Elazig

Authors:

İbrahim Hulusi Yıldırım | Özcan Demir

Publisher:

Fırat University

Journal:

Fırat Üniversitesi Harput Araştırmaları Dergisi Vol.10 Issue 19, pp.77-98

Document Type:

Article

Publication Date:

4/2023

Document Language:

Turkish

Document ID (Org No.):

2001288030

pISSN:

2148-2527

Entrepreneur

Entrepreneur Loans

Bank

Bank CreditsGirişimci

Girişimci Kredileri

Banka

Banka Kredileri

Issues

Article Details

Authors: İbrahim Hulusi Yıldırım | Özcan Demir

Publisher: Fırat University

Journal: Fırat Üniversitesi Harput Araştırmaları Dergisi Vol.10 Issue 19, pp.77-98

Document Type: Article

Publication Date: 4/2023

Document Language: Turkish

Document ID (Org No.): 2001288030

pISSN: 2148-2527

Issues

Authors:

İbrahim Hulusi Yıldırım | Özcan Demir

Publisher:

Fırat University

Journal:

Fırat Üniversitesi Harput Araştırmaları Dergisi Vol.10 Issue 19, pp.77-98

Document Type:

Article

Publication Date:

4/2023

Document Language:

Turkish

Document ID (Org No.):

2001288030

pISSN:

2148-2527