July 21, 2023 Thesis Open Access

Gebisa Adamu

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    "description": "<table>\n\t<tbody>\n\t\t<tr>\n\t\t\t<td>Abstract</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<p>This study aims to assess determinants of access to credit for Micro and Small Scale Enterprises: The case of Robe Town. To achieve the study objective both from Primary and secondary data were collected. Primary data were collected using questionnaire which was distributed to 335 samples from 2,009 total MSEs using probability sampling method and convenience sampling technique was apply. Explanatory research designs and also qualitative and quantitative research approach was used. To analyse the collected data the study was used descriptive statistics and infrential were used to determine the main determinants of access to credit of MSE. Firm (MSE) related factors (legal form of the business, awareness towards fundraising, financial literacy, collateral security and age of firms) and credit suppliers characteristics (cost of credit and credit policy) are independent variables while access to credit is dependent variable for this study. Findings revealed that Awareness towards fundraising, financial literacy, collateral security, age of firms, cost of credit and credit policy are the most significant factors affecting the access to credit for MSES in the study area. As a result of this, the researcher suggests that the government should provide credit guarantee arrangements that would act as alternative to the lending institution in case MSEs fails to pay. Government through the ministry of finance should ensure that they allow concessional cost of credit and implement it. The MSEs should have systematic process of financial awareness targeting to obtain awareness. MSEs Operators should have basics knowledge on financial and business management skills. Additionally, they should create a framework of assisting MSEs register their businesses as well as aiding them in the event of changing their business from practice to another.&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 7</p>", 
    "language": "eng", 
    "title": "DETERMINANTS OF ACCESS TO CREDIT FOR MICRO AND SMALL SCALE ENTERPRISES: IN CASE OF ROBE TOWN", 
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          "name": "Suyahili R. (PhD)"
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    "keywords": [
      "ey word: - firm related factors, credit suppliers' characteristics, Micro and Small Enterprise, Access to credit, logistic regression, Robe Town."
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    "publication_date": "2023-07-21", 
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        "affiliation": "Madda walabu University", 
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