Analysis of Risk Assessment for Financing Small-Medium Enterprises' Project and the Impact of Lending Decision Making

摘要

This research paper is an attempt to analyze risk assessment of financing Small-Medium Enterprises' (SMEs') projects and to investigate on the roles of lending managers and their decision making, also to demonstrate that it has a huge impact on project success, influence to implement bank financing projects. Therefore, the paper focused on identifying strong risk assessment for the SMEs and in general aims to identify various risks that Aloqabank managers are facing currently to finance SMEs' project. Despite the fact that the research paper tried to find out various tools and techniques dealt within bank financing projects. Furthermore, case study approached to identify different risks and to analyze risk assessment of SMEs' projects. According to questionnaires' results and case study analysis, the evidence that the key indicator signals to decision making and to give loan for the projects are past performance of SMEs, financial standing, ordering collateral and business project competence, all affected the likelihood of a lending manager supporting SMEs and credit request.