ANALYSIS OF CREDIT RATIONING AMONG CONSTRUCTION ENTERPRISES SMES WITHIN FINANCIAL INSTITUTIONS: A CASE OF GAUTENG PROVINCE IN SOUTH AFRICA.
Published In: 4TH INTERNATIONAL CONFERENCE ON ADVANCES IN CIVIL, STRUCTURAL AND ENVIRONMENTAL ENGINEERING
Author(s): JUSTUS NGALA AGUMBA , NAZEEM ANSARY , OLANREWAJU ABDUL BALOGUN
Abstract: Economic diversification is a key policy goal for the Government of South Africa. SMEs offer a feasible option towards the actualization of this goal. The expansion of construction SMEs in South Africa, however is constrained by lack of access to bank credit. This constrained access to credit is argued in the literature to be due to the credit rationing behavior of banks emanating from asymmetric information in credit markets. Constrained access to credit stifles the growth potential of this vibrant sector which is increasingly generating employment opportunities especially for young enterprises. Department of Trade and Industry (DTI, 2007). This study therefore investigated the factors that influence the credit rationing behavior of banks towards SMEs. A deductive methodological approach was used to examine this problem. The structured survey questionnaire was administered to 179 construction small and medium organizations to elicit relevant data about their credit rationing. Binary l
- Publication Date: 16-Dec-2016
- DOI: 10.15224/978-1-63248-114-6-56
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INFLUENCE OF TIRE WASTE OVER DURABILITY OF POLYMER CONCRETE
Published In: 4TH INTERNATIONAL CONFERENCE ON ADVANCES IN CIVIL, STRUCTURAL AND ENVIRONMENTAL ENGINEERING
Author(s): BARAN IRINA , BARBUTA MARINELA , BUCUR ROXANA DANA , HARJA MARIA
Abstract: Capitalization of tires waste is a priority problem determinate by the large quantities of these waste and environmental impact generated. In this paper we recommended capitalization with obtaining of new material with improved proprieties. The durability of a new polymer concrete with tires waste powder is presented in this paper. Durability characteristics such as: water adsorption, the chemical resistance, frost thaw cycles resistance, and thermal shock strength were performed. Influence of resin content and filler content were analysed. Thermo-physical tests have shown a very good behaviour of epoxy concrete with tires powder subjected to different types of aggressive agents, compared with that of witness polymer concrete, without addition. Results show that polymer concrete with tire powder display a very good behaviour to: frost-thaw cycles, thermal shock and chemical attack. The use of tires wastes in polymer concrete may help to improve the environment by elimination of a pollu
- Publication Date: 16-Dec-2016
- DOI: 10.15224/978-1-63248-114-6-57
- Views: 0
- Downloads: 0