Empirical evidence on the contribution of credit on the growth of SMEs: a case approach of Dodoma municipality

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dc.contributor.author Datus, Susan Matogolo
dc.date.accessioned 2019-03-06T10:15:12Z
dc.date.available 2019-03-06T10:15:12Z
dc.date.issued 2017
dc.identifier.citation Datus, S. M. (2017). Empirical evidence on the contribution of credit on the growth of SMEs: a case approach of Dodoma municipality. Dodoma: The University of Dodoma en_US
dc.identifier.uri http://hdl.handle.net/20.500.12661/584
dc.description Dissertation (Master of Business Administration) en_US
dc.description.abstract There are contradicting views on the impact of credit on the growth of SMEs. Some studies are for the intervention while others are quite against it. There are also studies which do not show any impact at all. This study was put in place to provide empirical evidence of the impact of credit on the growth of SMEs. The aim was to solidify findings for those who support the intervention. The study was set to meet three objectives, namely; identifying possible factors hindering the implementation of credit policies on loans and advances to SMEs, determining the influence of credit contributions on the growth of SMEs and investigating on the challenges in accessing and utilizing of credit. The study employed a multiple embedded case study design where eight cases were drawn from different categories of businesses taken from Dodoma Municipality. Data and information were collected and organized into case stories and were then analyzed by using pattern matching, comparison and explanation building. It was found out that, interest rates on loan, collateral securities, false information provided by SMEs about business and nature of business were the main factors that hindered the implementation of credit policies on loans and advances to SMEs. It was also uncovered that, indeed, credit received from MFIs helped firms to grow specifically, in improving profits, increasing the number of employees, enabling sustainability of families and increasing assets, sales and working capital. Nonetheless, it was also found out that, a number of challenges were there which acted as a stumbling block for accessing the loans from MFIs and utilizing them efficiently and effectively. These include but not limited to the procedure of accessing credit, high interests on loan, an inadequate time period for loan disbursement and lack of collateral securities for the side of loan accessibility. Furthermore, challenges facing utilization of credit were mainly; repayment time period, low level of entrepreneurial skills, use of loans for unintended purposes and poor record keeping. en_US
dc.language.iso en en_US
dc.publisher The University of Dodoma en_US
dc.subject SMEs en_US
dc.subject Small and Medium Enterprises en_US
dc.subject Credit policies en_US
dc.subject Loans en_US
dc.subject Entrepreneurial skills en_US
dc.subject Microfinance Institutions en_US
dc.subject MFIs en_US
dc.subject Dodoma en_US
dc.subject Tanzania en_US
dc.subject Record keeping en_US
dc.subject Enterprises en_US
dc.title Empirical evidence on the contribution of credit on the growth of SMEs: a case approach of Dodoma municipality en_US
dc.type Dissertation en_US


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