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dc.contributor.authorNyangoma, Pamela Susan
dc.date.accessioned2014-10-10T11:22:53Z
dc.date.available2014-10-10T11:22:53Z
dc.date.issued2012-03
dc.identifier.citationNyangoma, P. S. (2012). Credit terms, access to finance and financial performance of SMES in Kampala. Unpublished masters thesis, Makerere University, Uganda
dc.identifier.urihttp://hdl.handle.net/10570/4040
dc.descriptionA dissertation submitted to graduate research centre in partial fulfilment for the award of degree of master of science in accounting and finance of Makerere University.en_US
dc.description.abstractThis study was motivated by the difficulty faced by SMEs in accessing credit from commercial banks to sustain business growth and financial performance. The purpose of the study was to establish the extent to which credit terms and access to credit have affected financial performance of SMEs in Kampala. The study was guided by the following objectives; to establish relationship between credit terms and financial performance of SMEs in Kampala, to establish the effect of credit terms and access to credit on financial performance of SMEs in Kampala and to establish the relationship between access to credit and financial performance of SMEs in Kampala. The study was based on a correlation survey design. Primary data was collected using self administered questionnaires issued to respondents who were owners/managers of the business. A sample size of 384 respondents was selected from a population of 110,714 SMEs using simple random sampling method. Data was analyzed using SPSS version 17. Correlation and regression analysis was carried out to establish the association among the variables. The results indicated a significant positive association among the variables of credit terms, access to credit and financial performance of SMEs. Credit terms contribute 33.1% of the variance in financial performance in SMEs. Regression analysis revealed that access to credit contributed 54.3% of the variance in financial performance of SMEs. In order to improve access to credit by SMEs, commercial banks and other lending institutions need to adjust credit terms in line with what borrowers can afford.en_US
dc.language.isoenen_US
dc.publisherMakerere Universityen_US
dc.subjectSMEsen_US
dc.subjectCommercial banksen_US
dc.subjectAccessing crediten_US
dc.subjectFinancial performance of SMEsen_US
dc.titleCredit terms, access to finance and financial performance of SMES in Kampalaen_US
dc.typeThesisen_US


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