The Impact of Small Loans on Employment in Small and Micro-enterprises in Kenya PDF Download
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Author: J. M. Musinga
Publisher:
ISBN:
Category : Development credit corporations
Languages : en
Pages : 74
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Book Description
Author: J. M. Musinga
Publisher:
ISBN:
Category : Development credit corporations
Languages : en
Pages : 74
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Book Description
Author: Gerrishon K. Ikiara
Publisher:
ISBN:
Category : Economic stabilization
Languages : en
Pages : 96
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Book Description
Author: World Bank Group
Publisher: World Bank Publications
ISBN: 0821399853
Category : Business & Economics
Languages : en
Pages : 226
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Book Description
The second issue in a new series, Global Financial Development Report 2014 takes a step back and re-examines financial inclusion from the perspective of new global datasets and new evidence. It builds on a critical mass of new research and operational work produced by World Bank Group staff as well as outside researchers and contributors.
Author: Clemencia Osa Ouma
Publisher:
ISBN:
Category :
Languages : en
Pages : 14
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Book Description
Microcredit is a crucial tool for economic empowerment of women. In Kenya, the microcredit industry has supported more than 3 million small and medium enterprises for close to 30 years. Kenya Women Finance Trust is a leading microcredit institution dealing exclusively with financing needs of women. However, whether the services provided by the institution have spurred growth among women-owned enterprises remains undocumented. The objective of this study was to assess the effect of access to microcredit services on the growth of women-owned enterprises within the Central Business District of Kisumu City. To accomplish this, we sourced primary data from 190 women entrepreneurs. The study found that access to microcredit significantly associated with sales, net profit, number of paid workers and liabilities. Thus, access to microcredit had positive effects on the growth of women-owned enterprises. In addition, Kenya Women Finance Trust's lending policies were not responsive to financing needs of women and to changes in the business environment. This undermined the potential of funded enterprises to achieve sustainable growth. The study recommends the need to review the financial institution's lending policies, increase the amount of microcredit funds and encourage other actors to finance women-owned enterprises.
Author: Tabitha Karanja
Publisher: GRIN Verlag
ISBN: 3656176965
Category : Business & Economics
Languages : en
Pages : 81
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Book Description
Master's Thesis from the year 2011 in the subject Business economics - Business Management, Corporate Governance, grade: -pass, , course: Enterprenuership, language: English, abstract: The importance of Micro and Small Enterprises (MSEs) in contributing to job creation and output growth is widely accepted in both developed and developing countries, of particular interest is the process of expansion from micro to small that growth oriented make their most tangible contribution to economic growth and job creation. .Women-Owned micro enterprises are a powerful force for growth and development thus making important contributions to the economy as workers and as entrepreneurs to the welfare of their families. The researcher investigated why Women-owned enterprises remain the same way year in year out without, an increase in number of employees or any other sign to indicate graduation from one level to another. The researcher wanted to find out why enterprises owned by women operate under significant constraints which greatly inhibit realization of their full potential. Many developing countries have attempted to put in place various intervention programmes to address factors that affect the graduation of women owned micro-enterprises; unfortunately many of them are policies yet to be implemented. Through the assistance from Nyeri municipal-council, the researcher acquired the target population of Micro-Enterprises within Nyeri town which was the survey under study. The research design that the researcher used was the descriptive survey research design. Variables, for instance financial accessibility was looked at among others and their influence on graduation of micro-enterprises. The instruments that the researcher used was the Questionnaire and Interviews. The researcher came up with comprehensive results that can be useful to women in micro-enterprises and the Government at large. Pre-testing procedure was carried out to ensure the validity and reliability of the data to be collected. A descriptive statistic procedure was used to carry out the data analysis. Bar-charts, tables and pie-charts are used for data presentation. Some of the major findings in this research include the fact that many women operating micro-enterprises started their enterprises with personal savings as they could not access loans from formal institutions due to lack of collateral- Due to their low level of education, majority of them exhibited challenges in record keeping as well as marketing which are very essential for graduation of an enterprise from micro to small.
Author: Lois Stevenson
Publisher: International Labour Organization
ISBN: 9221168204
Category : Businesswomen
Languages : en
Pages : 78
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Book Description
The African Development Bank's (AfDB) Addis Ababa Forum in June 2003 focused on the role of women entrepreneurs in private sector development, poverty reduction, and sustainable growth and development. It provided an opportunity for the AfDB and the International Labour Office (ILO) to join forces using their complementary expertise in support of women-owned businesses in Tanzania, Ethiopia and Zambia. This report is based on the country assessment for Kenya, where the ILO has been researching and supporting women's entrepreneurship. Examining such issues as the economic context, micro-finance.
Author: Kenneth R. Gray
Publisher: University Press of America
ISBN: 9780761801405
Category : Business & Economics
Languages : en
Pages : 190
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Book Description
This timely and important work studies Kenya's small scale manufacturers. What makes the book unique is Gray's sub-sector approach, which focuses on the particular industries of tailoring, woodwork and metalwork. Gray investigates the development of these sub-sectors by taking a strategic management approach. Such an approach allows the author to assess enterprise competitiveness and profitability within industries. Readers will find that the information in this book serves as a well-needed supplement to the literature on the World Bank's July 1995 decision to focus more on micro-enterprise development. The book will appeal to many different audiences including development agencies concerned with the economic development community and the international academic community. Business and social science students who are interested in how work is organized in the family and the effects of modernization on traditional society will also benefit from reading this book.
![The Effect of Microfinance Institutions on the Growth of Small Scale Enterprises in Kiambu County [EMOD Thesis a Ccompanied by a CD-ROM] PDF](https://books.google.com/books/content/images/frontcover/UwXajgEACAAJ?fife=w80-h100)
Author:
Publisher:
ISBN:
Category :
Languages : en
Pages : 68
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Book Description
The main objective of this study was to determine the effect of MFIs on the growth of SMEs in Kiambu County. The study was guided by the following research objectives: To determine the effect of MFIs on the growth of SMEs capital, to examine the effect of MFIs on the growth of SMEs human resource and to investigate ways of how MFIs can improve their financial assistance towards SMEs growth. This research adopted a descriptive research design. A descriptive research design is a scientific method which involves observing and describing the behaviour of a subject without influencing it in any way. The research population consisted of 25,000 registered Kiambu SMEs. In this study, the sampling frame constituted of SMES entrepreneurs and the information was obtained from the Kiambu County Authorities. The sampling techniques included the purposive sampling method in the determination of SMEs to be included in the study. Using a confidence level of 95% and a total population of 25,000 SMEs the sample size was 393. The data collection techniques that were employed for the research include the use of structured questionnaires. The respondents were requested for their time prior to sending the actual questionnaire. A pilot test involving 5 respondents was carried out to evaluate the completeness, precision, accuracy and clarity of the questionnaires. In this study, the descriptive statistics such as percentages and frequency distribution will be used to analyze the demographic profile of the participants. The demographic data will be tabulated using frequency and percentages. In order to describe the data, the study used means of each variable. The study established that savings remains the most important source of finance throughout the business cycle. The MFIs play a smaller role in economic empowerment of SMEs in Kiambu County, as most of the respondents, depended on village loans, self help groups (SHG) and from family members in generating their business start up capital. SHGs can also promote savings and yield moderate economic benefits that reduce the dependence on moneylenders. Access to finance has been identified as a key element for small scale enterprises to succeed in their drive to build productive capacity, to compete, to create jobs and to contribute to poverty alleviation in the county. Without finance, small scale enterprises cannot grow or compete in the turbulent business environment. MFIs play a small role on the growth of human capital. From the findings, MFIs also play a small role in making the labour force to be more productive. A small proportion of the respondents agreed that there were a number of MFIs offering business training to small and medium scale entrepreneurs in Kiambu County. It was also found that MFIs do not play any significant role in offering training in business skills. Any government interested in the development of their economy should be involved in the provision of good regulations for business growth. Making credit available to SMEs and at an affordable rate is a means to empower them. MFIs should deal with trust worthy Self Help Groups. MFIs should increase the grace period of loan repayment among SMEs. MFIs should collaborate with other MFIs in assisting SMEs and sensitization of SME business management in giving clients information about new loans, saving procedures and any other new products from the MFIs. The study concludes that MFIs have a small impact on the growth of SMEs as savings remains the most important source of finance throughout the business cycle. MFI plays a small role on the growth of human capital. The Kenyan government has failed to safe guard the property of the SMEs. The study recommends that MFIs should come up with innovative ways to finance SMEs for successful growth. MFI should play a critical role on the growth of human capital. The government should be involved in business growth. MFIs should assist SMEs in marketing of the business products, making credit available to SMEs at an affordable rate.
Author: Andrew Mullei
Publisher:
ISBN:
Category : Industrial promotion
Languages : en
Pages : 210
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Book Description
Author: Malcolm Harper
Publisher: Intermediate Technology Publications
ISBN: 9781853394362
Category : Business & Economics
Languages : en
Pages : 158
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Book Description
The authors show that it is possible to measure and compare the costs and benefits of small enterprise development programmes, and that donors, NGOs, tax-payers and small business people themselves should demand that those who are responsible for such programmes must demonstrate that they are providing value for money.
