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Evaluating a credit guarantee agency in a developing economy: A non-parametric approach

Ong, Hway Boon and Habibullah, Muzafar Shah and Radam, Alias and Mohamed, Azali (2003) Evaluating a credit guarantee agency in a developing economy: A non-parametric approach. International Journal of Social Economics, 30 (1-2). pp. 143-152. ISSN 0306-8293

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Banks are important sources of external credit but they are reluctant to lend to small and medium enterprises (SMEs) due to the high credit risk involved. Therefore, Credit Guarantee Corporation (Malaysia) Limited (CGC) was set up to assist SMEs to secure loans from financial institutions in Malaysia. Being the sole issuer of credit guarantees to SMEs, the performance of CGC directly reflects the availability of credit guarantees to SMEs. Hence, to ascertain the accessibility of credit guarantees, this study evaluates the efficiency of credit guarantee schemes provided by CGC From a non-parametric analysis, CGC is found to be operating at a relatively low level of overall technical efficiency. Therefore, CGC should consider reallocating its existing inputs as well as increase the amount of credit guarantees granted to SMEs in order to achieve a reasonable level of efficiency.

Item Type:Article
Keyword:Credit, Efficiency, Guarantees, Malaysia, Non-parametric measure, Small- to medium-sized enterprises
Faculty or Institute:Faculty of Economics and Management
DOI Number:10.1108/03068290310453646
ID Code:8802
Deposited By: Erni Suraya Abdul Aziz
Deposited On:20 Dec 2010 03:56
Last Modified:20 Dec 2010 04:01

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