Abstract:
This study is an attempt to identify the impact of human capital characteristics on access to debt finance. Small and
medium sized enterprises of a company plays a major role in the economy of a country. Therefore the development of each
SME is vital for the development of a country. When the factors relating enterprise success is concerned, access to debt finance
can be identified as a significant factor. Literature suggest many factors which affect the access to debt finance of SMEs. Out
of which, this study measures the impact of human capital characteristics on the access to finance. Human capital
characteristics such as education, knowledge and expertise have been selected for the study.
