| dc.contributor.author | Itonga, Lucy | |
| dc.contributor.author | Waweru, Gabriel | |
| dc.contributor.author | Huka, G | |
| dc.date.accessioned | 2018-08-15T08:20:56Z | |
| dc.date.accessioned | 2020-02-07T07:37:43Z | |
| dc.date.available | 2018-08-15T08:20:56Z | |
| dc.date.available | 2020-02-07T07:37:43Z | |
| dc.date.issued | 2016 | |
| dc.identifier.uri | http://repository.must.ac.ke/handle/123456789/1213 | |
| dc.description.abstract | In an effort to ensure women fully participate in economic development, the government of Kenya has embraced the formulation of policies such as Sessional Paper number 2 of 2005 on development of Micro and Small Enterprises for wealth and employment creation.However, research studies have indicated that women owned MSEs in Kenya have not performed well with over sixty percent of small businesses estimated to fail each year.
The study objective was to find out the effect of credit access on financial performance of women owned MSEs.
Descriptive research design was used and the study targeted a population of 469 women owned licensed MSEs comprising of retail ware stores, salons and beauty shops, apparels, food stores, bars/wines and spirits joints and m-pesa shops. The sample size was 211 respondents’ women micro enterprise owners. Questionnaire was used as the data collection instrument which had both open-ended and closed-ended structured questions. Qualitative data was
analyzed thematically while quantitative data was analyzed through the use of statistical techniques such as frequency counts, percentages. The study tested the study hypothesis by use of multiple regression analysis to establish the relationship between the independent variables and the dependent variable. It was also established that there is need to create awareness among women enterprise owners on the available credit products fr
om various institutions and that the government needs to increase the women enterprise funds kitty in order for more women to access this funds to expand their enterprises. The study concluded that credit access has insignificant effect on financial performance of women owned MSEs. This conclusion is supported by the finding that majority of women enterprises had been in existence for three and above years yet they derive their business operating capital from personal savings it was recommended that the government should strive to make women enterprise fund or uwezo fund more accessible | en_US |
| dc.language.iso | en | en_US |
| dc.publisher | International Journal of Economics, Commerce, and Management | en_US |
| dc.subject | Effects, Credit Access, Women, Micro and Small Enterprises, Kenya | en_US |
| dc.title | IMPLICATIONS OF CREDIT ACCESS AND FINANCIAL PERFORMANCE OF WOMEN OWNED MICRO AND SMALL ENTERPRISES IN IMENTI NORTH SUB-COUNTY, KENYA | en_US |
| dc.type | Article | en_US |
