Impact and Challenges of Government Financial Support for SMEs and How Brunei Government Can Implement it to Help SMEs in Brunei /

By Siti Wardah Binti Haji Hadanan. Brunei Darussalam : Universiti Teknologi Brunei, 2020 . 35 pages : , A Final Year Project submitted to Universiti Teknologi Brunei (UTB) in partial fulfillment of the requirements for the degree of Bachelor of Business (Hons) in Accounting & Information System. | Abstract This research paper shows consist of research on government support on SMEs. The emphasis is on funding, on whether the government in developed and developing countries have the same support n their Local SMEs or not. Then the study also looking on Brunei Darussalam's Government on whether any of the method use by other country applicable to use by Brunei or not. With the aim to meet one of National Vision 2035 Local Business Development strategy which is Introducing well-designed and well-funded programs and more effective ways of financing local enterprises to help local SMEs and entrepreneurs gain business skills and become more competitive. It was encouraged by His Majesty that Brunei should appreciate the contribution of SMEs and together assist them in their problems and urged the relevant agencies to iron out or streamline any regulations or processes that can hinder the growth of SMEs. Government agencies must also provide an avenue for the growth and development of SMEs so that they will become a key sector that can help develop the nation, the monarch said. 30 cm..

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Gender Discrimination and Discouraged Borrowers in Bank Loan Applications : Evidence from Southeast Asian Countries

By Nurshamimi binti Abdul Samat. Bandar Seri Begawan : Universiti Teknologi Brunei, 2023 . viii, 69 pages : , Thesis submitted for the degree of Master of Science by Research Universiti Teknologi Brunei | Abstract Access to finance for small and medium-sized enterprises (SMEs) is a recurring theme in finance literature as well as an important policy concern given that SMEs are considered as the backbone of an economy, job creation, innovation, and economic growth. Bank discouragement behaviour where an entrepreneur or a firm manager is discouraged from applying for a bank credit out of fear of loan application rejection constitutes an important segment of the small business financing and has long-term consequences for SMEs survival, profitability, and growth. Empirical studies on the bank-discouragement behaviour has mainly been conducted in developed markets with little empirical evidence on the dynamics of loan application behaviour in the emerging markets of South East Asian Economies. This study seeks to fill this research gap by examining two interrelated research objectives by using firm-level survey data from five Southeast Asian countries. First, the study examines whether the gender of the top managers of SMEs influences the firm’s decision not to apply for a bank loan out of fear of rejection, despite requiring external financing for business operations and growth. Second, this study examines whether SMEs run by female top managers face discrimination in bank loan approvals. The empirical results provide evidence in support of the notion that the gender of the top manager is an important factor influencing borrower discouragement, as firms led by female top managers are more likely to be discouraged from applying for bank loans than those run by male top managers. Second, this study also finds evidence of gendered discrimination in loan approvals in Southeast Asian countries, except for Brunei Darussalam. This also implies that cultural differences could be one of the reasons why some countries do not experience gender discrimination in bank loan applications. In other words, female-led businesses are more likely to be denied bank credit than male-led businesses. Finally, firm size moderates the relationship between borrower discouragement and gendered borrower discouragement, which is more prevalent among smaller firms than among larger firms. By reducing gender discrimination, there would be increased equality and social justice in an entrepreneur's access to bank credit, fewer economic inefficiencies and less-than optimum level of investments and enhanced long-term economic sustainability for firms and financial institutions. 30 cm..

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Impact and Challenges of Government Financial Support for SMEs and How Brunei Government Can Implement it to Help SMEs in Brunei /

Gender Discrimination and Discouraged Borrowers in Bank Loan Applications : Evidence from Southeast Asian Countries