The importance of small and medium construction enterprises (SMEs) in the South African economy has been recognised. However, construction SMEs are faced with difficulties in accessing credit from financial institutions. Furthermore, past research has failed to reach consensus on the demographic and socio-economic factors that predict credit accessibility for construction SMEs in South Africa. This study determines the predicting demographic and socio-economic factors for credit accessibility for construction SMEs from financial institutions in South Africa. A quantitative research approach was used and data was collected, using a questionnaire survey from 250 construction SMEs who were conveniently sampled. The demographic and company profile factors predicting credit accessibility were modelled and set as the independent variables with credit accessibility to the construction SMEs as the dependent variable, irrespective of the amount obtained from financial institutions. The data was analysed using the Statistical Package for the Social Sciences (SPSS) version 22. Binary logistic regression analysis was used to analyse the predictors of obtaining credit. In the first model, the results revealed that the credit accessed irrespective of the amount and those who did not receive credit at all, when modelled with the conceptualised predictors suggested, showed no significant predictors of obtaining credit. However, in the second model, when the conceptualised predictors were modelled with full and partial credit, the results established that age group, current position in the organisation, tax number and location were good predictors of obtaining full credit. The findings of this study cannot be generalised across South Africa, as the study was conducted only in the Gauteng province. The value of this study informs owners of SMEs in the construction industry to provide their age and current position in the organisation when applying for credit. They should also provide the tax number and the location of the business in order to improve their chances of obtaining full credit from financial institutions. Keywords : Credit accessibility, determinants of credit accessibility, full credit, small and medium enterprises

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评估南非建筑业中小型承包商中的信贷可及性预测因素

人们已经认识到中小型建筑企业（SME）在南非经济中的重要性。但是，建筑业中小型企业在从金融机构获得信贷方面面临困难。此外，过去的研究未能在预测南非建筑中小型企业信贷可及性的人口和社会经济因素上达成共识。这项研究确定了来自南非金融机构的建筑中小型企业信贷可及性的预测人口统计学和社会经济因素。使用了定量研究方法，并使用来自250个方便采样的建筑中小型企业的问卷调查收集了数据。对预测信贷可及性的人口和公司概况因素进行建模，并将其设置为自变量，对建筑业中小企业的信贷可及性作为因变量，而与从金融机构获得的金额无关。使用社会科学统计软件包（SPSS）22版对数据进行了分析。使用二进制逻辑回归分析来分析获得信用的预测因素。在第一个模型中，结果表明，获得的信贷与金额无关，而那些根本没有收到信贷的信贷，在用概念化的预测指标建议的模型中，没有显示出获得信贷的重要预测指标。但是，在第二个模型中，当对概念化的预测变量进行完全和部分信用建模时，结果确定了该年龄段，组织中的当前职位，税号和位置是获得充分信用的良好预测。由于该研究仅在豪登省进行，因此该研究的结果无法在整个南非推广。这项研究的价值在于通知建筑业中小型企业的所有者在申请信贷时提供其年龄和目前在组织中的职位。他们还应提供税号和营业地点，以提高他们从金融机构获得全额信贷的机会。关键词：信贷可及性信贷可及性的决定因素完全信贷中小企业 因为这项研究仅在豪登省进行。这项研究的价值在于通知建筑业中小型企业的所有者在申请信贷时提供其年龄和目前在组织中的职位。他们还应提供税号和营业地点，以提高他们从金融机构获得全额信贷的机会。关键词：信贷可及性信贷可及性的决定因素全额信贷中小企业 因为这项研究仅在豪登省进行。这项研究的价值在于通知建筑业中小型企业的所有者在申请信贷时提供其年龄和目前在组织中的职位。他们还应提供税号和营业地点，以提高他们从金融机构获得全额信贷的机会。关键词：信贷可及性信贷可及性的决定因素完全信贷中小企业 他们还应提供税号和营业地点，以提高他们从金融机构获得全额信贷的机会。关键词：信贷可及性信贷可及性的决定因素完全信贷中小企业 他们还应提供税号和营业地点，以提高他们从金融机构获得全额信贷的机会。关键词：信贷可及性信贷可及性的决定因素完全信贷中小企业