Room W142, Williams Building Hendon
A lecture by Dr Stuart Fraser Associate Professor of Enterprise, Warwick Business School.
Discouraged borrowers (DBs) are businesses which would like to borrow but which do not apply for loans because they believe they will be turned down. There are approximately 173,000 DBs in the UK (out of a population of 4.8m SMEs). Whilst it is known that DBs tend to be smaller, younger and riskier businesses, much less is known about the reasons for discouragement.
The research addresses this gap in understanding by providing both econometric and qualitative perspectives on the reasons for discouragement.
Stuart Fraser is Associate Professor of Enterprise, Warwick Business School, and is a researcher at the Enterprise Research Centre. Stuart is the principal investigator on the UK Survey of SME Finances (UKSMEF 2004, 2008 and 2009). UKSMEF was the first large-scale representative survey to provide detailed information about the availability and cost of finance to SMEs in the UK. UKSMEF helped inform the UK Government's policy response following the 2008 financial crisis and has contributed to policy in other areas including support for ethnic minority businesses. Stuart’s academic articles have been published in several journals including the Journal of Banking and Finance, Journal of Management Studies, Economica, Journal of Business Finance and Accounting, Small Business Economics and International Small Business Journal.
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