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Banking Lending Behavior towards SME Businesses during Global Financial Crisis 2008: Evidence from Malaysia

The financial crisis in 2008 caused by the failure of the large numbers of banks in the United States. This financial crisis also gives the impact to the other sector such as SMEs Business. The financial shock also spread to the other financial institution outside the U.S like in Europe and Asia including Malaysia. The amount of trading between U.S and Malaysia decreased gradually over the period of crisis, thus it affected as well to several industries sector in Malaysia including financial industries. Therefore, we would like to examine whether the bank lending behavior in Malaysia affected by the global financial crisis in 2008 or not and the impact of the crisis on the lending towards SME Business in Malaysia. The objective of the research is commercial banks, Islamic banks and investment bank in Malaysia. We use the data time series from the first quarter of 2006 to last quarter of 2010. We obtained the data from Bank Negara Malaysia. This research involves the descriptive analysis to analyze the study. The result shows that the lending from commercial and Islamic banks to large businesses fell slightly by 0.09% in the third quarter of 2007 but it contracted shortly in the next quarter by 2.5%. SME businesses are not influenced by the global financial crisis in 2008 even in peak quarter of financial crisis, they increased gradually by 3.9% instead. Conversely, the lending from Investment bank in Malaysia fell by 49% during peak quarter of crisis.

1. Introduction

2. Conclusions

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