A. Results of Testing the Reliability Coefficient of the Factor Scale from the Enterprise Side

Encryption

Source

37. Business owners handle situations that arise well.

business

QU6

38. Business owners always share information with employees.

QU7

39. Business owners always promote corporate culture.

QU8

Access to bank credit capital for SMEs

AC

Nguyen Hong Ha (2013), Tran Quoc Hoan (2018) and comments from experts in qualitative research.

1. Access to diverse capital sources from credit institutions

AC1

2. Maximum access to credit information

AC2

3. Easy to complete loan procedures

AC3

4. Maximum access to bank loans

AC4

Cronbach's Alpha Based on Standardized

Items

N of Items

,894

,893

6

Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Squared Multiple Correlation

Cronbach's Alpha if Item Deleted

CO1

12,433

18,975

,739

,557

,871

CO2

12,457

19,894

,711

,530

,875

CO3

12,383

19,354

,766

,594

,867

CO4

12,407

20,804

,618

,394

,889

CO5

12,443

19,746

,715

,518

,875

CO6

12,410

19,172

,741

,556

,871

Cronbach's Alpha Based on Standardized

Items

N of Items

.841

.841

4

Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Squared Multiple Correlation

Cronbach's Alpha if Item Deleted

RE1

8.107

6,544

.800

.678

.741

RE2

8,057

7,144

.726

.608

.777

RE3

8,067

7,654

.585

.354

.837

RE5

8.020

7,485

.600

.379

.831

Cronbach's Alpha Based on Standardized

Items

N of Items

,899

,900

6

Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Squared Multiple Correlation

Cronbach's Alpha if Item Deleted

CA1

12,587

18,330

,786

,623

,872

CA2

12,640

19,255

,703

,506

,885

CA3

12,487

19,247

,668

,453

,891

CA4

12,573

18,740

,748

,572

,878

CA5

12,647

19,407

,695

,490

,886

CA6

12,600

18,896

,764

,592

,876

Cronbach's Alpha Based on Standardized

Items

N of Items

,867

,868

4

Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Squared Multiple Correlation

Cronbach's Alpha if Item Deleted

FI1

7,490

7,495

,700

,512

,839

FI2

7,510

7,247

,767

,594

,810

FI3

7,563

7,805

,717

,516

,831

FI4

7,597

8,108

,693

,500

,841

Cronbach's Alpha Based on Standardized

Items

N of Items

.881

.882

5

Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Squared Multiple Correlation

Cronbach's Alpha if Item Deleted

SZ1

11,993

15,512

.628

.427

.876

SZ2

11,983

13,588

.797

.641

.835

SZ3

11,983

15,267

.730

.569

.853

SZ4

11,990

15,568

.660

.453

.868

SZ5

11,863

14,908

.772

.612

.843

Cronbach's Alpha Based on Standardized

Items

N of Items

,862

,863

4

Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Squared Multiple Correlation

Cronbach's Alpha if Item Deleted

BP1

7,660

9,356

,716

,513

,822

BP2

7,607

8,855

,724

,528

,817

BP3

7,653

8,742

,725

,529

,817

BP4

7,590

8,992

,674

,455

,838

Cronbach's Alpha Based on Standardized

Items

N of Items

.824

.825

7

Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Squared Multiple Correlation

Cronbach's Alpha if Item Deleted

QU1

17,417

19,120

.638

.435

.788

QU2

17,390

20,312

.564

.385

.801

QU3

17,350

20,108

.551

.358

.803

QU4

17,380

20,103

.560

.418

.802

QU5

17,480

19,722

.625

.414

.792

QU6

17,457

20,523

.516

.309

.809

QU7

17,327

19,672

.524

.310

.809

Cronbach's Alpha Based on Standardized

Items

N of Items

,829

,829

4

Scale Mean if Item Deleted

Scale Variance if Item Deleted

Corrected Item- Total Correlation

Squared Multiple Correlation

Cronbach's Alpha if Item Deleted

AC1

7,490

6,117

,663

,447

,782

AC2

7,600

6,923

,626

,400

,797

AC3

7,523

6,451

,672

,456

,776

AC4

7,527

6,437

,665

,446

,779

Scale

Encryption

Question

Source

Collateral

CO1

The value of the enterprise's collateral is always higher than the bank's assessment.

Do TT Vinh (2014), Ha

TT Dao (2014) and qualitative research of

thesis

CO2

Enterprises can easily complete legal procedures on collateral to submit to the bank.

CO3

To borrow bank credit, businesses always

must have collateral

CO4

The collateral of the enterprise often meets the requirements.

of NH

CO5

Collateral is used for many debt obligations.

CO6

Enterprises have enough assets to secure loans

Relationship between enterprises and banks

RE1

Enterprises are allowed to borrow credit capital from preferential credit packages.

NH treatment

Khalid Hassan (2014), Tran

Quoc Hoan (2018) and

study

qualitative thesis

RE2

Enterprises regularly exchange credit information with

NH

RE3

Enterprises borrow capital many times from commercial banks in the province

RE5

During the loan process, businesses receive detailed advice and guidance from the bank.

Production and business capacity of SMEs

CA1

Businesses often borrow from capital sources quite easily and repay loans on time.

VT Thanh (2012), Summer

TT Dao (2014), Dang

TH Thuong (2015) and qualitative research of

thesis

CA2

Enterprises with large market share

CA3

Workers' salaries at the company always increase every year.

CA4

The company's revenue always increases over the years.

CA5

The brand/image of the enterprise is perceived by consumers.

known to many

CA6

Enterprises tend to innovate modern science and technology in the production process.

Financial report

FI1

Financial statements and accounting books are published annually according to the standards of the State and the Bank.

Nguyen Hong Ha (2013), Dang

TH Thuong (2015) and qualitative research of

thesis

FI2

Enterprises annually conduct independent audits.

FI3

Financial statements submitted to banks are often easily accepted.

FI4

The amendments to the financial statements that the Bank requests are easily implemented by the Enterprise.

SZ1

Enterprise capital increases year by year

Khalid Hassan (2014),

Ajagbe.FA (2012),

Ricardo N. Bebczuk, (2004) and

study

qualitative thesis

SZ2

Enterprise labor increases year by year

SZ3

The business lines of the enterprise tend to expand over the years.

SZ4

Fixed assets of enterprises tend to increase over the years.

SZ5

Enterprises produce at optimal output level.

Business plan of the enterprise

BP1

Feasible business project establishment

Nguyen Hong Ha (2013) and

qualitative research of

thesis

BP2

Feasibility of debt repayment plan of the enterprise

BP3

The production and business plan must respond to fluctuations in prices, markets, other risks, etc.

BP4

The company has a team of specialized staff in investment project preparation.

Qualifications of the business owner

QU1

Business owners regularly attend training courses.

expertise related to business operations of the enterprise

Ajagbe.FA (2012), Tran

Quoc Hoan (2018) and

qualitative research of the thesis

QU2

Business owners regularly update legal documents related to business activities of the enterprise.

QU3

Business owners apply the content synthesized from the

courses and legal documents into the business process of the enterprise

QU4

Business owners regularly participate in activities at Associations.

QU5

Business owners grasp information about credit policies

of NH clear

QU6

Business owners handle arising situations well

QU7

Business owners always share information with employees

Access to bank credit capital for SMEs

AC1

Access to diverse capital sources from credit institutions

Nguyen Hong Ha (2013), Tran

Quoc Hoan (2018) and

qualitative research of

thesis

AC2

Full access to credit information

AC3

Ability to complete loan procedures

AC4

Maximum access to bank loans

Policy name

Legal documents

1

Support for small and medium enterprise development

Decree No. 56/2009/ND-CP

2

Guarantee policy for businesses borrowing capital from commercial banks

serving production and business

Decision No.

14/2009/QD-TTg

3

Add finance companies to participate in interest support

interest rates for organizations and individuals to borrow bank capital for production and business

Decision No. 831/QD-NHNN

4

Guarantee for SMEs to borrow capital from commercial banks through

Development Bank

Decision No.

03/2011/QD-TTg

5

Loan policy from SME Development Fund

Decision No. 601/QD-TTg

6

Loan guarantee program for projects on energy saving and efficiency in SMEs from the National Science and Technology Development Fund

Circular No. 06/2011/TT-BKHCN

7

Financial incentives for supporting industries

Decree No.

111/2015/ND-CP

8

Support and develop businesses until 2020

Resolution No. 35/NQ-CP

9

Science Development Fund Loan Program

and National Technology

Circular No. 14/2016/TT-

BKHCN

10

Project to Improve Access to Banking Services for the Economy

Decision

1726/2016/QD-TTg

11

Law on Support for Small and Medium Enterprises

Law No. 04/2017/QH14

12

State investment credit

Decree No. 32/2017/ND-CP

13

Guarantee for SMEs to borrow capital from commercial banks from Credit Guarantee Funds in localities

Decree No. 34/2018/ND-CP

14

Investing in innovative startups for SMEs

Decree No.

38/2018/ND-CP

15

Detailed regulations on a number of articles of the law on business support

small and medium enterprises

Decree 39/2018/ND-CP

CP

16

Policy to encourage and support investment in the area

Thai Nguyen province

Decision No.:

41/2012/QD-UBND

17

Establishment of Credit Guarantee Fund for small and medium enterprises in Thai Nguyen province

Decision No. 2279/QD-UBND

18

Special support policy to encourage enterprises to invest in agriculture and rural areas in Thai Nguyen province in the period 2016-2020

Decision No. 34/2016/QD-UBND