Factors Affecting Lending Patterns in Scheduled Commercial Banks under the CGTSME Scheme: An Empirical Study Integrating the Theory of Planned Behaviour

Abstract

This study presented a dataset analysis focused on understanding the factors that had influenced lending patterns in scheduled commercial banks under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTSME) Scheme. The empirical study integrated the Theory of Planned Behaviour to provide insights into the behavioural determinants that had shaped lending decisions within this specific context. The objective of this research had been to collect and analyze data to identify key factors that had influenced lending patterns and to assess the knowledge and perceived financial risk associated with the CGTSME Scheme. The survey period spanned a specific timeframe, during which data had been collected from a selected sample of banks in these cities. The collected dataset had been employed techniques such as descriptive analysis, correlation analysis, and regression analysis. These analyses had provided valuable insights into the relationships between variables and had shed light on the key factors that had shaped lending patterns in scheduled commercial banks operating under the CGTSME Scheme in the cities of Lucknow, Sitapur, Barabanki, Hardoi, and Kanpur.