Cluster Analysis of Business Data

This journal provides immediate open access to its content on the principle that making research freely available to the public supports a greater global exchange of knowledge.In this work, classical as well as probabilistic hierarchical clustering models are used to look for typologies of variables in classical data, typologies of groups of individuals in a classical three-way data table, and typologies of groups of individuals in a symbolic data table. The data are issued from a questionnaire on business area in order to evaluate the quality and satisfaction with the services provided to customers by an automobile company. The Ascendant Hierarchical Cluster Analysis (AHCA) is based, respectively, on the basic affinity coefficient and on extensions of this coefficient for the cases of a classical three-way data table and a symbolic data table, obtained from the weighted generalized affinity coefficient. The probabilistic aggregation criteria used, under the probabilistic approach named VL methodology (V for Validity, L for Linkage), resort essentially to probabilistic notions for the definition of the comparative functions. The validation of the obtained partitions is based on the global statistics of levels (STAT)

Business Regulation in International Comparison – Aggregating World Bank “Doing Business” Data

Unternehmensregulierung, Management, Rangstatistik, Vergleich, Regulated firm, Comparison

Relationship lending within a bank-based system: evidence from European small business data.

This paper adds to the relationship lending debate by investigating detailed contract information obtained from examining nearly eighteen thousand bank loans. The beneficiaries all were very small firms that operate within the continental European bank-based system. That is, with data gathered for Belgium, we investigate price and non-price terms of the loan contract. We test for the possibility of intertemporal rent shifting by banks. The empirical evidence shows two opposing effects. On the one hand, the length of a bank-firm relationship increases the loan rate. On the other hand, widening the relationship by buying other information sensitive products from a bank decreases the loan rate. Thus the effect on the price operates more through the dimension of the relationship than through the length of the relationship. We also find that the length of the financial relationship slightly negatively influences the probability of pledging collateral.

Relationship Lending within a Bank-based System: Evidence from European Small Business Data

This paper adds to the relationship lending debate by investigating detailed contract information obtained from examining nearly eighteen thousand bank loans. The beneficiaries all were very small firms that operate within the continental European bank-based system. That is, with data gathered for Belgium, we investigate price and non-price terms of the loan contract. We test for the possibility of intertemporal rent shifting by banks. The empirical evidence shows two opposing effects. On the one hand, the length of a bank-firm relationship increases the loan rate. On the other hand, widening the relationship by buying other information sensitive products from a bank decreases the loan rate. Thus the effect on the price operates more through the dimension of the relationship than through the length of the relationship. We also find that the length of the financial relationship slightly negatively influences the probability of pledging collateral.

Entrepreneurship, Self-Employment and Business Data: An Introduction to Several Large, Nationally-Representative Datasets

Only a few large, nationally-representative datasets include information on both the owner and the business. We briefly describe several of the most respected and up-to-date sources of data on entrepreneurs, the self-employed, and small businesses. More information including estimates of recent trends in business ownership and performance (e.g. survival rates, sales, employment, payroll, profits and industry) from these datasets is contained in Fairlie and Robb (2008).small businesses, business owners, self-employment, entrepreneurship, data