The Success Factors in Getting Business Financing for SMEs in Malaysia

Small and medium enterprises (SMEs) constitute an important part of the business system in Malaysia. Although their role in the Malaysian national economy has been one of distinction and contribution, but SMEs possess a lack of financial to expand their business. Thus, the purpose of this dissertation is to investigate the factors considered by banks in providing the financing to Small and Medium Enterprise (SMEs) in Malaysia. This study is focused on question; what are the success factors in getting the business financing for SMEs in Malaysia? The objective of this dissertation is to identify the factors considered by the banks in providing the business financing for SMEs in Malaysia, Four research issues have been developed for in-depth investigation at the research question; what are factors used by the banks in providing the business financing for SMEs, whata are "financial factor" and "non-financial factors" considered by bank as a success factors in getting the business financing for SMEs and can this factors categorized into core supplement factors. To achieve the objective and also to answer the research issues, this dissertation employs the convergent interview with the commercial banks including SME Bank around Kedah. This dissertation have been used a cross case analysis technique to analyzed data. From this analysis, the result suggested that have 12 factors classified as a success factors in getting the business financing for SMEs