小额信贷服务对卢旺达吉萨加拉区选定中小企业财务绩效的影响

Q3 Economics, Econometrics and Finance

Afro-Asian Journal of Finance and Accounting Pub Date : 2023-11-02 DOI:10.53819/81018102t2239

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引用次数: 0

摘要

这项研究的总体目标是评估小额信贷服务对卢旺达中小企业财务业绩的影响。这项研究有以下具体目标:为了解金融素养对吉萨加拉区中小企业财务绩效的影响，考察储蓄服务对吉萨加拉区中小企业财务绩效的影响，确定信贷服务获取对吉萨加拉区中小企业财务绩效的影响。在这项研究中，吉萨加拉区作为sacco成员的6984家中小企业组成了研究人口。借助索尔文公式确定的样本量。受访者选择从集群使用基本随机抽样方法进行研究。由于所有378名回答者都是吉萨加拉区sacco的成员，因此采用随机抽样的方法从每个部门中选择一个有代表性的样本。每个研究目标都进行了详细的探讨，以保证其成果丰硕。该研究采用了描述性和推断性统计。研究结果显示了金融素养、储蓄服务、信贷服务和受访者财务绩效之间的系数。财务素养对中小企业财务绩效有显著影响(β=0.335, p<0.05)。储蓄服务对中小企业财务绩效有显著影响(β = 0.273, p <0.05)。这表明使用储蓄服务的个人在他们的企业中往往有更好的财务表现。信贷服务对中小企业财务绩效有显著影响(β=0.337, p<0.05)。这些发现突出了金融知识、获得储蓄和信贷服务在促进吉加拉区企业家和中小企业改善财务结果方面的重要性。为提高吉萨加拉区中小企业的财务绩效，建议实施有针对性的金融知识普及计划，以满足中小企业的具体需求，并与当地利益相关者合作，确保广泛采用金融最佳做法。

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Effect of Microfinance Services on Financial Performance of Selected Small and Medium Enterprises in Gisagara District, Rwanda

The general objective of this research was to assess the effect of microfinance services on financial performance of small and medium enterprises in Rwanda. This study had the following specific objectives; to find out effect of financial literacy on financial performance of small medium enterprises in Gisagara District, examine the effect of saving services on financial performance of small and medium enterprises in Gisagara District and determine the effect of access to credit services on financial performance of small and medium enterprises in Gisagara District. For this study 6984 Small and Medium Enterprises as members of SACCOs in Gisagara District made up the study’s population. The sample size determined by the help of Solvin’s formula. Respondents selected from the clusters using a basic random sampling method for the study. As all 378 respondents are members of SACCOs in Gisagara District, random sampling used to choose a representative sample from each division. Each study goal probed with detailed inquiries to guarantee its fruitful conclusion. The study employed descriptive and inferential statistics. The findings indicate the coefficients between financial literacy, saving services, credit services, and financial performance of the respondents. There is significant effect of financial literacy on financial performance of SMEs (β=0.335, p<0.05). There is a significant effect of saving services on financial performance of SMEs (β = 0.273, p < 0.05). This indicates that individuals who utilize saving services tend to have better financial performance in their businesses. There is a significant effect of credit services on financial performance of SMEs (β=0.337, p<0.05). These findings highlight the importance of financial literacy, access to saving and credit services in promoting better financial outcomes for entrepreneurs and small and medium enterprises in Gisagara District. To enhance the financial performance of small and medium enterprises (SMEs) in Gisagara District, it is recommended to implement targeted financial literacy programs that address the specific needs of SMEs and collaborate with local stakeholders to ensure widespread adoption of financial best practices.

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来源期刊

Afro-Asian Journal of Finance and Accounting Economics, Econometrics and Finance-Finance

CiteScore

0.70

自引率

0.00%

发文量

期刊介绍： Finance and accounting are seen as essential components for the successful implementation of market-based development policies supporting economic liberalisation in the rapidly emerging economies in Africa, the Middle-East and Asia. AAJFA aims to foster greater discussion and research of the development of the finance and accounting disciplines in these regions. A major feature of the journal will be to emphasise the implications of this development and the effects on businesses, academics and professionals. Topics covered include: -Asset pricing, corporate finance, banking; market microstructure -Behavioural and experimental finance; law and finance -Emerging economies: finance, audit committees, corporate governance -Islamic finance, accounting and auditing -Equity analysis and valuation, venture capital and IPOs -National GAAP and IASs compliance, harmonisation and strategies -Financial measurement/disclosure, and the quality of information reported -Accountability and social/ethical/environmental measurement/reporting -Cultural, political, institutional impact on financial measurement/disclosure -Accounting practices for intellectual capital and other intangible assets -Provision of non-audit services and impairment to auditor independence -Audit quality and auditor skills; internal control/auditing -Management accounting, control and /use of key performance indicators -Accounting education and professional development, accounting history -Public sector and not-for-profit accounting