Lau , Anna Siew Lin
(2008)
Securing financial resources for small and medium contracting firms in Malaysia.
Masters thesis, Universiti Sains Malaysia.
Abstract
Penyelidik dalam bidang perusahaan kecil dan sederhana (PKS) sering mendalilkan
bahawa PKS mempunyai criteria seperti kekurangan modal dan tidak mendapat
pembiayaan perkembangan yang setaraf. Kajian ini menyelidiki perbezaan antara
pinjaman yang diberikan kepada firma pembinaan bersaiz kecil dan sederhana oleh
bank-bank komersil dan agensi-agensi kerajaan. Secara spesifik, ia menyelidik
ketersediaan pinjaman yang diberikan oleh bank-bank komersil dan agensi-agensi
kerajaan serta ciri-ciri dan prosedur untuk mendapatkan pinjaman tersebut. Selain
daripada itu, pinjaman yang digemari dan sebab-sebab pemilihan serta masalah yang
dihadapi dalam mendapatkan pinjaman dan pembayaraa balik oleh firma pembinaan
bersaiz kecil dan sederhana juga ditinjau. Kedua-dua cara iaitu kualitatif dan
kuantitatif digunakan untuk dua populasi sampel yang berbeza iaitu pegawai bank
dan kontraktor. Data dikumpulkan melalui 3 cara iaitu temuramah (pegawai bank),
borang soal selidik (kontraktor) dan data sekunder. Empat agensi kerajaan dan 13
bank komersil telah ditemubual. Soal selidik dihantar kepada 500 firma bersaiz kecil
dan sederhana di seluruh Semenanjung Malaysia dan 51 maklumbalas diterima.
Small and medium enterprises (SMEs) researchers often argue that SME are
characterised by lack of capital and are unable to access the same kinds of growth
funding. It is also indicates that debt capital is the most important capital source for
construction firms. This study examines the loan offered by commercial banks and
government agencies to small and medium contracting firms. Specifically, it looks
into the loan availability offered by commercial banks and government agencies as
well as the characteristics and procedures in getting the loan. Additionally, loan
preferences and the reasons of preferences as well as the problems faced in obtaining
and repaying the loans by the small and medium contracting firms are explored. Both
qualitative and quantitative methods were adopted for two different sample
populations, i.e. bank officers and contractors. Data was collected and triangulated
using interviews (bank officers), postal questionnaires (contractors) and secondary
sources. Four government agencies and 13 commercial banks were interviewed.
Postal questionnaires were sent out to 500 small and medium contracting firms all
over the Peninsular Malaysia, and 51 companies responded.
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