信用融资对基安布县锡卡镇中小企业财务绩效的影响

IF 2.8 3区 经济学 Q2 BUSINESS, FINANCE
Joseph Makau David, L. Njogu
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引用次数: 1

摘要

目的:研究信贷融资对基安布县锡卡镇中小企业财务绩效的影响。方法:采用描述性调查设计,研究对象为锡卡镇468家注册中小企业。采用结构化问卷收集定性和定量数据。收集的定量数据采用推理和描述性统计进行分析,开放式问题的定性数据采用内容分析进行分析。结果:研究发现,贸易信贷对锡卡镇中小企业财务绩效有显著影响(B=0.804;p=0.026),银行信贷对锡卡镇中小企业财务绩效有显著影响(B=0.956;p = 0.000)。研究还发现,小额信贷对锡卡镇中小企业财务绩效有显著影响(B=0.783;p=0.000),非正式社团信贷对锡卡镇中小企业财务绩效有显著影响(B=0.892;p = 0.002)。在理论、政策和实践上的独特贡献:研究得出银行信贷对锡卡镇中小企业财务绩效的影响最大,其次是非正式协会信贷,其次是贸易信贷,而小额信贷对锡卡镇中小企业财务绩效的影响最小。该研究建议,肯尼亚政府应该制定监管和降低利率的策略,以保护中小型企业(SMEs)免受不公平的高利贷者的伤害,这些高利贷者以不可持续的高利率放贷,同时还附带未披露的费用。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Effect of Credit Financing on Financial Performance of Small and Medium Enterprises (Smes) in Thika Town, Kiambu County
Purpose: To determine effect that credit financing has on the financial performance of SMEs in Thika Town, Kiambu County. Methodology: The study adopted a descriptive survey design and the targeted population was 468 registered SMEs in Thika town. A structured questionnaire was used to collect both qualitative and quantitative data. The quantitative data collected was analyzed for both inferential and descriptive statistics and the qualitative data from the open-ended questions were analyzed using content analysis. Results: The study found that trade credit has a significant effect on financial performance of SMEs in Thika town (B=0.804; p=0.026) and that bank credit has a significant effect on financial performance of SMEs in Thika town (B=0.956; p=0.000). The study also revealed that micro-finance credit has a significant effect on financial performance of SMEs in Thika town (B=0.783; p=0.000) and that informal associations credit has a significant effect on financial performance of SMEs in Thika town (B=0.892; p=0.002). Unique contribution to theory, policy and practice: The study concluded that bank credit had the greatest effect followed by informal associations credit, then trade credit while micro-finance credit had the least effect on financial performance of SMEs in Thika town. The study recommends that the Kenyan government should devise strategies of regulating and reducing interest rates in order to protect small and medium-sized enterprises (SMEs) from unfair shylocks who lend money at unsustainable high interest rates coupled with undisclosed fees.
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来源期刊
CiteScore
5.70
自引率
6.90%
发文量
143
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