Research Journal of Business Management1819-19322152-0437Academic Journals Inc.10.3923/rjbm.2014.491.507ThampradiNaphatrada FongsuwanWanno 4201484In globalized business, most entrepreneurs need to diversify sources of funding,
especially given the internationalization of trade and finance. Entrepreneurs
in particular are crucial to national and regional growth but they are most
vulnerable to the difficulties and high costs in obtaining loans and small business
funding. An exception however can be found in the Bangladesh Grameen Bank which
opened its doors in 1983 to the impoverished peasants and poor using microcredit
loans, of which 95% were to mostly women. With Thailand having over 99% of its
businesses represented by small and medium-sized enterprises (SMEs), researchers
decided to study the relationship factors that affect the credit support to
these small entrepreneurs. In 2011, a Phuket Province census found that one
in 7 households had an entrepreneurial business and they suffered from lack
of loans. For qualitative research, the research survey consisted of 200 commercial
bank executives that affect retail lending to the Phuket, Thailands
entrepreneurial island community. Factors having both a direct and an indirect
influence having the highest positive factors within the organization included
credit policy and strategy. Borrowers must additionally have aknowledge management
system which can take place in many forms. Bank organizational and internal
factors researched also included policies, plans, strategies and loan terms
which is determined bycredit policy and retail lending or not. Additional factors
in this determination are bank revenues, profits and brand image.]]>ASEAN,2009Pages: 103Pages: 103ASEAN,20142014Poonpatpibul, C. and W. Limthammahisorn,20052005Chia, S.Y.,20132013Chiamchittrong, W.,20102010Chin, W.W.,2001Version 3.0,European Commission,20112011Loucks, E.S., M.L. Martens and C.H. Cho,20101178200McFadzean, E., A. O'Loughlin and E. Shaw,20058350372Wakoko, F.,20032003The Norwegian Nobel Institute,20062006Henseler, J., C.M. Ringle and R.R. Sinkovics,200920277319Hassan, M.K. and L. Renteria-Guerrero,19972414881523Islam, J., H. Mohajan and R. Datta,201237696Iqbal, J.Z.,20022002Kajimo-Shakantu, K. and K. Evans,2007258097Kaplan, R.S. and D.P. Norton,1992707179Lauro, C. and V.E. Vinzi,20042004Likert, R.,19721972pp: 101-119pp: 101-119Marquardt, M.J.,1996pp: 220-242pp: 220-242Hussain, M.M., K. Maskooki and A. Gunasekaran,2001132642Valente, M.L.,20112011Kiso, N.,20082008Nopwattanapong, S.,20072007Harraf, O.,2008Pages: 80Pages: 80Polsaram, P.,19981998Katawut, P.,20122012Faridi, R.,20042004Sengupta, R. and C.P. Aubuchon,200890930OSMEP,2007OSMEP,2008OSMEP,2010Piriyakul, M.,20102010TPI,20052005Wattanakul, T.,20022002Trainer, T.,2002295472Trainer, T.,20022002Walls, R.T., D.L. Dowler, K. Cordingly, L.E. Orslene and J.D. Greer,2001672935Hadisumarto, W.B.M.C. and A.G.B. Ismail,2010266575Wongprasert, R.,20092009World Bank,20072007World Bank,20042004Lawrence, R.Z., M.D. Hanouz and S. Doherty,20122012Boontawan, W. and P. Montree,20102140155, (In Thai)