ACADEMIC RESEARCH SURVEY

I am a research student at Hailey College of Commerce, University of Punjab, Lahore. This

study is about Small and Medium enterprises owners-Managers financing decision and company
growth. You are requested to spare your precious time to complete this questionnaire as your
valuable response is very essential to complete my study. This questionnaire is anonymous, and
will be used for economic purpose only. Your cooperation is highly appreciated.

1. Are you the owner and manager of your company?

 Yes  No

2. For how many years has your company been established?

 Less than 3 years  3 - 5 years
 6 - 10 years  More than 10 years

3. How many employees do you have in your company?

 Less than 20  21-50
 51-100  101 - 150
 More than 150

4. What is the annual turnover of your company?

 Less than Rs. 500,000  Rs.500, 000 - Rs.10, 000,000
 Rs.10, 000,001 -Rs.75, 000,000  More than Rs.75, 000,001

5. Do you have a company bank account?

 Yes  No

6. Have you ever applied for a business loan in the past?

 Yes  No

7. If yes, were you successful in getting the loan?

 Yes  No  Not applicable

8. Rate your experience in applying for and/or accessing the loan.

 Very poor  Poor
 Average  Good
 Very Good  Not applicable

9. How would you rate the services offered by commercial loan providers in Pakistan?
 Very bad  Bad
 Neutral  Good
 Very Good
Please take position in the following statements regarding your choices. (1= strongly disagree,
2= Disagree, 3= Neither agree nor disagree, 4= Agree, 5 = Strongly agree)

Financing through a commercial bank loan:

No. Items Response

10 Leads to improvement of profit margin 1 2 3 4 5

11 Leads to company growth 1 2 3 4 5

12 Increases the risk of bankruptcy 1 2 3 4 5

TPB Attributes:

No. Items Response

13 I have good understanding of finance. 1 2 3 4 5

14 I feel confident to use commercial bank loans. 1 2 3 4 5

The opportunities to finance my company using a
15 1 2 3 4 5
commercial bank loan are available in the market.
My financial advisor/important persons believe
16 commercial bank loans should be used for company 1 2 3 4 5
financing.
I expect to use a commercial bank loan to finance my
17 1 2 3 4 5
company
I want to take a commercial bank loan to finance my
18 1 2 3 4 5
company
Regarding financial literacy:

No. Items Response

19 We prepare monthly company financial statement 1 2 3 4 5

(income statement and balance sheet).
We have an understanding of the company’s gross
20 1 2 3 4 5
profit ratio and its contribution to the overall profit.
Access to finance:
No. Items Response
My company has easy access to funds to support its
21 1 2 3 4 5
business operations
We are able to obtain financial resources at short notice 1
22 2 3 4 5
to support business operations
If we need more financial assistance for our business
23 1 2 3 4 5
operations, we could easily get it
About your company Growth
Compared to your industry
average, how would you grade
your company’s performance
on the following indicators?
Please circle the number that
best represents your opinion. Far below Average Far above
average average
1. Sales volume 1 2 3 4 5 6 7

2. Market share growth 1 2 3 4 5 6 7

3. Growth in productivity 1 2 3 4 5 6 7

4. Employee growth 1 2 3 4 5 6 7

5. Growth in profitability 1 2 3 4 5 6 7

6. Overall company growth 1 2 3 4 5 6 7

Demographic Information:

Age 20-30 31-40 41-50 Above 50

Qualification
Matric Inter Graduation  Master M.Phil other

Gender Male  Female