The role of human capital in loan officers'
decision policies.
by Bruns, Volker^Holland, Daniel V.^Shepherd, Dean A.^Wiklund,
Johan
Coefficient T-ratio
Education -0.313 -2.812 **
Banking experience -0.019 -1.463
Lending experience 0.022 2.180 *
Recent small business loan experience 0.003 3.579 ***
Intercept 1.274 29.275 ***
Control variables
Age .013 .012
Gender .048 .152
([dagger]) p < .10 * p < .05 * * p < .01 *** p < .001
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