Moderating Effect of Financial Accessibility on the Relationship between Creditworthiness and the Performance of Small and Medium Enterprises (SMEs) in Construction Industry

This study aims to determine the relationship between creditworthiness and the performance of Small and Medium Enterprises (SMEs) within the dynamic context of the Sarawak Construction Industry. Creditworthiness is a crucial factor for SMEs in determining financial accessibility. Severe cash flow co...

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Main Author:	Huan Huan, Liaw
Format:	Thesis
Language:	English English English
Published:	2024
Subjects:	HB Economic Theory HG Finance
Online Access:	http://ir.unimas.my/id/eprint/45900/3/DSVA%20Liaw%20Huan%20Huan.pdf http://ir.unimas.my/id/eprint/45900/4/Liaw%20Huan%20Huan%20%2824pgs%29.pdf http://ir.unimas.my/id/eprint/45900/7/Liaw%20Huan%20Huan%20Fulltext.pdf
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id	my-unimas-ir.45900
record_format	uketd_dc
spelling	my-unimas-ir.459002024-09-04T03:32:55Z Moderating Effect of Financial Accessibility on the Relationship between Creditworthiness and the Performance of Small and Medium Enterprises (SMEs) in Construction Industry 2024-08-27 Huan Huan, Liaw HB Economic Theory HG Finance This study aims to determine the relationship between creditworthiness and the performance of Small and Medium Enterprises (SMEs) within the dynamic context of the Sarawak Construction Industry. Creditworthiness is a crucial factor for SMEs in determining financial accessibility. Severe cash flow constraints have impacted SMEs' ability to meet their debt obligations. Drawing on the established 5Cs credit model comprising character, collateral, condition, capacity, and capital as independent variables, this study extends the model by introducing an additional dimension "Credibility" to comprehensively assess creditworthiness. The study also examines the moderating effects of financial accessibility on the identified relationships. The research was conducted through a questionnaire distributed to 150 SMEs in the Sarawak Construction Industry. The data collected was analyzed using the Statistical Package for the Social Sciences (SPSS 29.0) and SmartPLS 3.0 software. The study identified credibility, capital, and capacity as key predictors of SME performance, underscoring their fundamental roles in shaping business outcomes. The results indicate that credibility is the most influential factor, with the highest path coefficients among the creditworthiness dimensions. Capital and capacity also showed strong associations with both financial and non-financial performance, highlighting that a firm's financial robustness and its ability to meet business demands through available resources are essential for overall success. Keywords: Creditworthiness, SMEs; Financial Accessibility; Financial Performance; Non-Financial Performance Universiti Malaysia Sarawak 2024-08 Thesis http://ir.unimas.my/id/eprint/45900/ http://ir.unimas.my/id/eprint/45900/3/DSVA%20Liaw%20Huan%20Huan.pdf text en staffonly http://ir.unimas.my/id/eprint/45900/4/Liaw%20Huan%20Huan%20%2824pgs%29.pdf text en public http://ir.unimas.my/id/eprint/45900/7/Liaw%20Huan%20Huan%20Fulltext.pdf text en validuser dba Universiti Malaysia Sarawak Faculty of Economics and Business
institution	Universiti Malaysia Sarawak
collection	UNIMAS Institutional Repository
language	English English English
topic	HB Economic Theory HG Finance
spellingShingle	HB Economic Theory HG Finance Huan Huan, Liaw Moderating Effect of Financial Accessibility on the Relationship between Creditworthiness and the Performance of Small and Medium Enterprises (SMEs) in Construction Industry
description	This study aims to determine the relationship between creditworthiness and the performance of Small and Medium Enterprises (SMEs) within the dynamic context of the Sarawak Construction Industry. Creditworthiness is a crucial factor for SMEs in determining financial accessibility. Severe cash flow constraints have impacted SMEs' ability to meet their debt obligations. Drawing on the established 5Cs credit model comprising character, collateral, condition, capacity, and capital as independent variables, this study extends the model by introducing an additional dimension "Credibility" to comprehensively assess creditworthiness. The study also examines the moderating effects of financial accessibility on the identified relationships. The research was conducted through a questionnaire distributed to 150 SMEs in the Sarawak Construction Industry. The data collected was analyzed using the Statistical Package for the Social Sciences (SPSS 29.0) and SmartPLS 3.0 software. The study identified credibility, capital, and capacity as key predictors of SME performance, underscoring their fundamental roles in shaping business outcomes. The results indicate that credibility is the most influential factor, with the highest path coefficients among the creditworthiness dimensions. Capital and capacity also showed strong associations with both financial and non-financial performance, highlighting that a firm's financial robustness and its ability to meet business demands through available resources are essential for overall success. Keywords: Creditworthiness, SMEs; Financial Accessibility; Financial Performance; Non-Financial Performance
format	Thesis
qualification_level	Doctorate
author	Huan Huan, Liaw
author_facet	Huan Huan, Liaw
author_sort	Huan Huan, Liaw
title	Moderating Effect of Financial Accessibility on the Relationship between Creditworthiness and the Performance of Small and Medium Enterprises (SMEs) in Construction Industry
title_short	Moderating Effect of Financial Accessibility on the Relationship between Creditworthiness and the Performance of Small and Medium Enterprises (SMEs) in Construction Industry
title_full	Moderating Effect of Financial Accessibility on the Relationship between Creditworthiness and the Performance of Small and Medium Enterprises (SMEs) in Construction Industry
title_fullStr	Moderating Effect of Financial Accessibility on the Relationship between Creditworthiness and the Performance of Small and Medium Enterprises (SMEs) in Construction Industry
title_full_unstemmed	Moderating Effect of Financial Accessibility on the Relationship between Creditworthiness and the Performance of Small and Medium Enterprises (SMEs) in Construction Industry
title_sort	moderating effect of financial accessibility on the relationship between creditworthiness and the performance of small and medium enterprises (smes) in construction industry
granting_institution	Universiti Malaysia Sarawak
granting_department	Faculty of Economics and Business
publishDate	2024
url	http://ir.unimas.my/id/eprint/45900/3/DSVA%20Liaw%20Huan%20Huan.pdf http://ir.unimas.my/id/eprint/45900/4/Liaw%20Huan%20Huan%20%2824pgs%29.pdf http://ir.unimas.my/id/eprint/45900/7/Liaw%20Huan%20Huan%20Fulltext.pdf
_version_	1811771580160671744

Moderating Effect of Financial Accessibility on the Relationship between Creditworthiness and the Performance of Small and Medium Enterprises (SMEs) in Construction Industry

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