July 22, 2025 Thesis Open Access

BEKELE IJARA

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        <foaf:name>BEKELE IJARA</foaf:name>
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    <dct:title>FACTORS AFFECTING ACCESS TO FINANCE BY MICRO AND SMALL ENTERPRISE: THE CASE OF MSE IN ROBE TOWN</dct:title>
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    <dcat:keyword>Demographic factors, institutional factors, Micro and Small Enterprise, Access to financing, Robe</dcat:keyword>
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        <foaf:name>Lule Dagnu (PhD)</foaf:name>
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    <dct:issued rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2025-07-22</dct:issued>
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    <dct:description>&lt;p&gt;This study aims to assess Factors affecting Access to finance by Micro and Small Enterprise in Case of MSE in Robe Town. To achieve the study objective data were collected both Primary and secondary data. Primary data were collected using questionnaire. Questionnaires were distributed to 336 samples from 2,185 total MSEs and 33 from financial institution mainly banks in Robe Town. Probability sampling methods for SMEs as well as non-probability sampling method and convenience sampling technique. Descriptive research designs with qualitative and quantitative research approach were used. The study adopted a stratified random sampling technique to select the sample size. For the sake of achieving the objectives of this study, data were collected using questionnaires which were distributed to 369 samples from 2,185 target population. To analyse the collected data, the study was used Descriptive statistics such as mean, percentages, frequencies, standard deviations and binary logistic regression to determine the main factors affecting access to finance by MSEs. The main independent variables are demographic factors (gender and level of education), users of finance related factors (information about finance, age of the business and level of income) and institutional factors (distance of banks from clients, interest rate and collateral requirement and dependent variable access to finance. The result showed level of education, age of the business, level of income and collateral requirement have positive and significant effect on access to access on the other hand information about finance, distance of banks from clients and interest rate have negative and significant effect on access to access. Based on the finding of the study it is suggested systematic process of financial education, improve financial information, institutions should accept business assets as collateral, reduce cost of finance, efficient running of these enterprises in order to increase and obtain higher&lt;/p&gt; &lt;p&gt;profit margins, the training on financial management skills and reducing gender gaps which improve access to finance.4&lt;/p&gt;</dct:description>
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