Use this URL to cite or link to this record in EThOS:
Title: Essays on entrepreneurial finance : small firms and their banks
Author: Rostamkalaei, Anoosheh
ISNI:       0000 0004 6424 5269
Awarding Body: Lancaster University
Current Institution: Lancaster University
Date of Award: 2017
Availability of Full Text:
Access from EThOS:
Access from Institution:
This thesis is a collection of four empirical essays. The essays are linked by their concern with a particular topic in the financing of smaller businesses – viz. small firms and their banks. The first essay discusses the pricing of the bank loan for growing SMEs. The second essay examines the role of financial advice to small firms in alleviating credit constraints. The third essay explores patterns of SMEs’ discouragement towards borrowing in the aftermath of the 2008 financial crisis. The final empirical essay introduces a novel concept (“informal turndown”) designed to further illuminate contemporary discussions of discouraged borrowing amongst SMEs and empirically compares the profile of firms who discouragement stems from informal talks with their banks with those that feared rejection. These empirical essays draw on two UK datasets: UK survey of SME Finance (2007) and UK SME Finance Monitor (2011-2016).
Supervisor: Freel, Mark ; Xiao, Li Sponsor: Not available
Qualification Name: Thesis (Ph.D.) Qualification Level: Doctoral