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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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Bibliographic Details
Main Author: Huan Huan, Liaw
Format: Thesis
Language:English
English
English
Published: Universiti Malaysia Sarawak 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/45900/8/Liaw%20Huan%20Huan%20Fulltext.pdf
http://ir.unimas.my/id/eprint/45900/
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spelling my.unimas.ir.459002024-10-04T07:04:21Z http://ir.unimas.my/id/eprint/45900/ Moderating Effect of Financial Accessibility on the Relationship between Creditworthiness and the Performance of Small and Medium Enterprises (SMEs) in Construction Industry 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 2024-08-27 Thesis NonPeerReviewed text en http://ir.unimas.my/id/eprint/45900/3/DSVA%20Liaw%20Huan%20Huan.pdf text en http://ir.unimas.my/id/eprint/45900/4/Liaw%20Huan%20Huan%20%2824pgs%29.pdf text en http://ir.unimas.my/id/eprint/45900/8/Liaw%20Huan%20Huan%20Fulltext.pdf Huan Huan, Liaw (2024) Moderating Effect of Financial Accessibility on the Relationship between Creditworthiness and the Performance of Small and Medium Enterprises (SMEs) in Construction Industry. DBA thesis, Universiti Malaysia Sarawak.
institution Universiti Malaysia Sarawak
building Centre for Academic Information Services (CAIS)
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Malaysia Sarawak
content_source UNIMAS Institutional Repository
url_provider http://ir.unimas.my/
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
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
publisher Universiti Malaysia Sarawak
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/45900/8/Liaw%20Huan%20Huan%20Fulltext.pdf
http://ir.unimas.my/id/eprint/45900/
_version_ 1812131551743311872
score 13.211869

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