EFFECT OF CREDIT AND EDUCATION ON PERFORMANCE OF MICRO AND SMALL ENTERPRISES IN KENYA

2018 ◽  
Vol 3 (1) ◽  
pp. 19-35
Author(s):  
Valentine Lynda Musavi ◽  
Dr. James Maingi
Keyword(s):  
Large Population ◽  
Joint Effect ◽  
Small Enterprises ◽  
Cross Sectional ◽  
Access To Credit ◽  
Educational Qualification ◽  
Unmet Demand ◽  
Micro And Small Enterprises ◽  
Lending Institutions ◽  
The Relationship

Purpose: The purpose of this study was to establish the effect of credit and owner/manager educational qualification on performance of micro and small enterprises in Kenya and their joint effect using the 2016 MSMEs survey data.Methodology: This is cross-sectional data collected from a population of 50,043 enterprises. A sample of 384 enterprises was used in the analysis as obtained using Fisher’s (2003) formula for computing sample size from a large population. Inferential statistics was used to interrogate the relationship between the variables.Results: Regression results indicated that both access to credit services and educational qualification had a positive and significant effect on performance of the sampled enterprises. Further analysis indicated that the joint effect of the two variables was greater than their individual effect.Unique contribution to theory, practice and policy: Recommendations of this study are that the central Bank of Kenya should focus more on lending and credit facilitation programs in order to encourage greater bank-led financing to the sector to help bridge the unmet demand for credit and that micro and small enterprises should be encouraged to establish good credit history with various lending institutions to enable them access credit facilities from financial institutions. In addition, owners/managers of the enterprises should be provided with training on managerial and technical skills to complement their educational qualifications in running the enterprises.

Influence of participation in “table banking” on the size of women-owned micro and small enterprises in Kenya

2015 ◽  
Vol 9 (4) ◽  
pp. 315-326 ◽  
Author(s):  
Castro Ngumbu Gichuki ◽  
Milcah Mulu Mutuku ◽  
Lydia Nkatha Kinuthia
Keyword(s):  
Data Collection ◽  
Women Entrepreneurs ◽  
Design Methodology ◽  
Secondary Level ◽  
Small Enterprises ◽  
Cross Sectional Survey ◽  
Cross Sectional ◽  
Content Type ◽  
Positive Growth ◽  
Micro And Small Enterprises

Purpose – The purpose of this study is to investigate the inability to access affordable credit in Kenya which hinders many women entrepreneurs from either starting their own or expanding existing enterprises and capital base. The emergence of table banking groups attempts to fill the existing credit gap. Design/methodology/approach – A cross-sectional survey involving 225 randomly selected women entrepreneurs who participate in table banking groups within Nakuru Municipality was conducted. Data collection comprised a questionnaire whose reliability coefficient was 0.83 at 0.05 confidence level. Findings – Results indicated that a majority women entrepreneurs aged between 20 and 60 years with 71 per cent of them married. Further, 44 per cent had attained secondary-level education, while no illiterate entrepreneurs participated in the study. A positive increase in the number of employees, after members participated in table banking groups, was realized. Credit received from table banking influenced changes in the size of enterprises. Originality/value – The study shows that availability, affordability and accessibility of credit from table banking groups led to positive growth of women-owned enterprises.

scholarly journals THE EFFECT OF SUPPLY CHAIN LINKAGE ON MICRO AND SMALL ENTERPRISES’ PERFORMANCE

2017 ◽  
Vol 17 (1) ◽  
Author(s):  
Siti Aisyah Ya’kob ◽  
Wan Jamaliah Wan Jusoh
Keyword(s):  
Supply Chain ◽  
Information Sharing ◽  
Business Performance ◽  
Positive Relationship ◽  
Development Programme ◽  
Small Enterprise ◽  
Small Enterprises ◽  
Industrial Sectors ◽  
Micro And Small Enterprises ◽  
The Relationship

The practice of linking the enterprises with their channel members through supply chain activities is meant to achieve better performance and to create a win-win situation for both sides. A study on supply chain linkages is necessary in order to observe the effect of the linkages on firms’ performance. Therefore, this study is conducted to examine the factors of supply chain linkages that affect the business performance among micro and small enterprises. Three factors were proposed, which are information sharing, development programme and outsourcing. A total of 214 sets of questionnaires was completed by owners and firm’s personnel from 13 industrial sectors. The findings from this study revealed that information sharing and development programme have a significant and positive relationship with firms’ performance. Even though outsourcing shows a positive relationship with firms’ performance, but the relationship was not statistically significant. The results provide a better understanding of information sharing, development programme and outsourcing from micro and small enterprise perspective in Sarawak.Keywords: Supply Chain; Information Sharing; Development Programme; Outsourcing; Performance; Micro and Small Enterprise.

scholarly journals Serum Visfatin Levels Estimated in Overweight Individuals

2018 ◽  
Vol 9 (2) ◽  
pp. 91-95
Author(s):  
Fahmida Kabir ◽  
Shiekh Anisul Haque ◽  
KMG Haque
Keyword(s):  
Serum Insulin ◽  
Large Population ◽  
Enzyme Linked Immunosorbent Assay ◽  
Fasting Serum ◽  
Anthropometric Parameters ◽  
Cross Sectional ◽  
Standard Methods ◽  
Relationship Of ◽  
The Relationship ◽  
Overweight Subjects

Background: Visfatin is a novel adipocytokine predominantly secreted from visceral fat and its blood shows insulin-mimetic effects which correlate with overweight, type 2 diabetes mellitus (T2DM) and inflammation. Overweight is an important component of metabolic syndrome. However, the relationship between visfatin levels and overweight is not yet clear. The aim of this study was to investigate the relationship of serum visfatin levels in overweight and apparently healthy subjects.Methodology: This was a cross-sectional comparative study includes 50 overweight subjects who had no disease conditions and 42 controls. Anthropometric measurements included Height (HT), body mass index (BMI), waist circumferences (WC) and hip circumferences (HC) were performed by using standard methods. Serum visfatin levels were analyzed by Enzyme Linked Immunosorbent Assay (ELISA). Biochemical parameters estimated by ELISA and standard methods where fasting serum visfatin, fasting serum insulin and fasting plasma glucose, serum triglycerideg (TG), serum cholesterol (CHOL) levels and lipid profiles were evaluated. All data were presented as Mean (M) and Standard Deviation (±SD) and results were compared with students t-test and correlation coefficient. The values were considered significant at 0.05 level of significance.Results: BMI, WC, HC and %BFM were significantly higher in overweight subjects compaired to controls. Serum visfatin (ng/ml) value in overweight subjects also was observed significantly higher compared to the controls.Conclusion: A significant corelation of plasma visfatin levels was observed with anthropometric parameters whereas no significant relationship observed with any of the biochemical parametres either the study subjects or controls. This study shows correlation between serum visfatin and overweight subjects. Future studies with large population possibly will explore and explain the role and relationship of serum visfatin with overweight, T2DM and others diseases as related to visfatin.Anwer Khan Modern Medical College Journal Vol. 9, No. 2: Jul 2018, P 91-95

Determinants of micro and small enterprises growth in Kenya

2017 ◽  
Vol 24 (1) ◽  
pp. 105-118 ◽  
Author(s):  
Adan Guyo Shibia ◽  
Dulacha Galgallo Barako
Keyword(s):  
Sub Saharan Africa ◽  
Small Enterprises ◽  
Court System ◽  
Investment Climate ◽  
Cross Sectional ◽  
Content Type ◽  
Internal Resources ◽  
Growth Constraints ◽  
Micro And Small Enterprises ◽  
Sub Saharan

Purpose The purpose of this paper is to investigate the effects of investment climate and firm-specific variables on the growth of micro and small enterprises (MSEs) in Kenya. Design/methodology/approach The paper utilized a cross-section survey data of 2,536 MSEs in Kenya. Using the sales growth as the dependent variable, the paper tests the hypotheses that investment climate variables – entrepreneur perception of fairness and affordability of the courts in dealing with commercial disputes, access to formal credit, connections to utilities, crime incidences; and firm-specific resources affect MSE growth. Findings Positive entrepreneur perception of the fairness and affordability of the courts, access to formal credit, connections to utilities, lower incidences of crime, entrepreneur education and experience positively affect MSE growth. Research limitations/implications Although the context of the study is Kenya, the study has relevance to other developing countries especially Sub-Saharan Africa due to institutional similarities. The paper, however, uses cross-sectional data, which unlike panel data, do not allow for establishing dynamic relationships. This could be a potential area for further research. Originality/value The paper is among the first to establish effects of entrepreneur perception on MSE growth with regards the court system in dealing with business disputes in terms of fairness, timeliness, affordability and enforcement. The paper also extends limited extant research on MSE growth constraints with regards to incidences of insecurity, access to bank credit, connections to utilities and internal resources.

scholarly journals Determinants of the continuous operations of micro and small enterprises during COVID-19 pandemic in Ethiopia

2021 ◽  
Vol 10 (1) ◽  
Author(s):  
Erstu Tarko Kassa
Keyword(s):  
Regression Analysis ◽  
Sampling Technique ◽  
Small Enterprise ◽  
Primary Data ◽  
Small Enterprises ◽  
Economic Factors ◽  
Cross Sectional ◽  
Correlation And Regression Analysis ◽  
Micro And Small Enterprises ◽  
Cross Sectional Design

AbstractThe main objective of this study is to assess determinant factors for the continuous operations of micro and small enterprises during COVID-19 pandemic. The study adopted a cross-sectional  design, with both descriptive and explanatory research design. To achieve the objectives of the study, 276 respondents were selected from 890 micro and small enterprise owners. The sample of the study was selected through proportional stratified random sampling technique from the business types (manufacturing, construction, urban agriculture, service and trade). To collect the primary data, questionnaires were dispatched to owners/operators of micro and small enterprises. The collected data were analyzed through descriptive, correlation and regression analysis techniques. The finding of the study revealed that people and administrative factors, regulatory factors, economic factors, partnerships, leadership of owner have a positive relationship to micro–small enterprise continuous operations during COVID-19 pandemic with the value of r = 0.457, 0.558, 0.572, 0.519 and 0.654, respectively. The study regression analysis result assured that partnership, economic factors, and leadership of the owner has a positive statistical significant effect on the continuous operations of the micro and small enterprise during COVID-19 pandemic with the value of (p < 0.05). The researcher recommended that strenghtening partnership with stakeloders and excersing best leadership practices are essential to ensure the continuous operations of the micro and small enterpreses.

scholarly journals Perceived Ease of Use, Perceived Usefulness and the Usage of Computerized Accounting Systems: A Performance of Micro and Small Enterprises (MSEs) in China

2019 ◽  
Vol 8 (2S2) ◽  
pp. 324-331
Keyword(s):  
Technology Acceptance ◽  
Online Survey ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Small Enterprises ◽  
Perceived Ease Of Use ◽  
Accounting Systems ◽  
Micro And Small Enterprises ◽  
Accounting Reports ◽  
The Relationship

Computerized Accounting Systems (CAS) has been used as a tool to help the accountants and the business owner to record daily business transactions and produce accounting reports in no time. The adoption of CAS among the users, however, varies especially in term of the factors that influence the usage and the level of the adoption. This paper aims, among other factors, to investigate the relationship between the model of technology acceptance (TAM) and the use of CAS. The main purpose is to examine the connection between the two variables of TAM, perceived ease of use and perceived usefulness, and use of CAS among accountants in micro and small enterprises (MSEs). The scope of this study is businesses in Xi’an, Shaan Xi of China. An online survey has been used to obtain feedback from 400 respondents. However, only 201 responseshave been returned and available for further analysis. This study discovers a beneficial connection between perceived ease of use, perceived usefulness and CAS use. This study could guide the accountants and business owners as well as the research communities to understand the correlation of technology acceptance and the use of CAS.

scholarly journals Inovação em Micro e Pequenas Empresas: Recursos e Capacidades

2021 ◽  
Vol 25 (2) ◽  
Author(s):  
Renata Braga B. de Vasconcelos ◽  
Joséte Florencio dos Santos ◽  
Jackeline Amantino de Andrade
Keyword(s):  
Factor Analysis ◽  
Literature Review ◽  
Small Enterprises ◽  
Innovation Capability ◽  
Management Information ◽  
Confirmatory Factor ◽  
Micro And Small Enterprises ◽  
Local Agent ◽  
The Relationship ◽  
Structured Questionnaire

ABSTRACT Objective: the article aims to identify the relevant resources for the composition of managerial and transactional capabilities in the context of micro and small enterprises (MSEs). Method: through a literature review, the resources associated with the innovation were identified: leadership, people management, information and knowledge, relationships with clients, suppliers, and society, and results. The resources were collected and measured using a structured questionnaire made available by the Local Agent for Innovation program, applied to 447 MSEs in the state of Pernambuco, between 2015 and 2017. Confirmatory factor analysis was used to verify how these resources contribute to the composition of capabilities. Results: the results demonstrate that the managerial capability is composed of the relationship with society and suppliers, leadership, the sharing of information and knowledge, and people management. Transactional capability is made up of the relationship with customers and the results obtained by the firm. Conclusions: although MSEs have restrictions on access to technologies, their organizational resources seem to contribute to the development of innovation capability and to obtain competitive advantage.

scholarly journals Determinants of Women Participation in Micro and Small Enterprises in Hadiya Zone, Ethiopia

2020 ◽  
pp. 31-45
Author(s):  
Habtamu Tadesse ◽  
Yishak Gecho ◽  
Tekle Leza
Keyword(s):  
Achievement Motivation ◽  
Educational Status ◽  
Structured Interview ◽  
Small Enterprises ◽  
Cross Sectional ◽  
Initial Capital ◽  
Participation Decision ◽  
Micro And Small Enterprises ◽  
Women Participation ◽  
Hadiya Zone

The study was undertaken with the objective of assessing determinants of women participation choice and intensity of participation in Micro and Small Enterprises in Hadiya zone, Ethiopia. Within the zone three town administrative were selected based the largest number of economic activities. The investigation was grounded on cross-sectional review information from 385 women Micro and Small Enterprise's undertakings participant and non-participant that were assigned using semi-structured interview schedule, key informants interview, focus group discussion, and personal observation. Secondary data was acquired from empirical reports, government policy documents, national statistical reports, journal articles and reports of different organizations. Heckman's two-stage selection model was applied to recognize factors influencing women's participation decision and intensity of participation in MSEs. The first level of probit model estimation results reveal that educational status, business experience, access to credit, access to training, achievement motivation, receiving remittance, information seeking behaviour and initial capital were emphatically and fundamentally impact the likelihood of women participation decision in MSE while age was negatively related and does significantly determine the participation choice of the women. The after effects of the second stage Heckman model demonstrated that the intensity of participation in Micro and Small Enterprises was significantly and positively influenced by educational status, access to market, access to transportation, and achievement motivation. Hence, this study recommends that government and concerned bodies are anticipated to enhance the educational level, skill, and knowledge development training, provide aids and subsidized to income, credit facilities, and the remittance-receiving channels. It is also suggested that women should formulate their own goals and they should participate in business by their own choice nevertheless of other alternatives accomplish well and actions need to be accepted to offer incentives for women who have faced a lack of available initial capital in the study area.

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