Annexes
45. Has your firm borrowed from external source(s) either formally or informally? Yes
No
1
2
If yes, please explain why. Circle suitable options below. a. Expansion
1
f. Investment in land and buildings
6
b. Diversification
2
g. Investment in machinery, vehicles, equipment
7
3
h. Trade finance
8
d. Working capital (e.g., payment for supply, rent)
4
i. Paying back loans to other sources
9
e. Human resources (e.g., salaries, recruitment and training)
5
Others, please specify:
c.
R&D, technology or product/service development
46. To what extent do you think each of the following statements describes the present situation to obtain loans from external source(s)?
Strongly disagree
Strongly agree
a.
Collateral/guarantee requirements are too stringent
1
2
3
4
5
6
b.
Financial disclosure requirements are too strict
1
2
3
4
5
6
c.
Credit rating is too strict
1
2
3
4
5
6
d.
The interest rate is too high
1
2
3
4
5
6
e.
The term (i.e., the length of time) of the loan is too short
1
2
3
4
5
6
f.
The size of the loan is too small relative to financing needs
1
2
3
4
5
6
g.
The procedures for the loan applications are too complicated and time consuming
1
2
3
4
5
6
h.
Banks provide poor customer services for businesses
1
2
3
4
5
6
i.
Banks do not understand your financing needs
1
2
3
4
5
6
j.
Banks cannot provide timely services
1
2
3
4
5
6
k.
Banks are too far away (physical access to banks)
1
2
3
4
5
6
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