Paper Title
The Impact Of Human Capital Characteristics Of Sme Entrepreneurs� On Access To Debt Finance

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. Index Terms-Debt Finance, SME, Human capital characteristics