Factors affecting the lending decisions of commercial banks for small and medium-sized enterprises in Ho Chi Minh city
Published: July 28, 2026
Abstract
This study identified the factors affecting the lending decisions of commercial banks for small and medium-sized enterprises (SMEs) in Ho Chi Minh City. SPSS Amos 23.0 was used to process collected data, Cronbach's alpha was employed to perform preliminary assessments, and exploratory factor analysis (EFA) was used to test the research model’s suitability. In addition, confirmatory factor analysis (CFA) and structural equation modeling (SEM) were also used. The study’s results showed that there are seven factors that directly affect the lending decisions of commercial banks in Ho Chi Minh City, including: enterprise size; owner characteristics; loan purpose; business plan; business risk and potential enterprise creditworthiness; and credit officer capacity.
Keywords
credithard informationsoft informationHo Chi Minh City.
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