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Formal and Informal Institutions’ Lending Policies and Access to Credit by Small-Scale Enterprises in Kenya: An Empirical Assessment

"This study assessed the role of institutional lending policies among formal and informal credit institutions in determining the access of small-scale enterprises to credit in Kenya. The results of the study show that the limited use of credit ref...

Beyond Technical Skills Training: The Impact of Credit Counselling on Entrepreneurial Behavior of Ugandan Youth

There is a low financial credit take among youth in Uganda because potential beneficiaries perceive the associated risk as high. This study assesses the determinants of entrepreneurial risk tolerance among Ugandan youth using experimental data f...

Financing SMEs in Botswana: Factors Influencing Access to Credit

This paper examined factors that influence access to credit by SMEs in Botswana. The results show that access to credit is influenced by gender, citizenship and experience of the manager, as well as firm-size, sector of business, sales and land o...

Female Entrepreneurship, Access to Credit, and Firms' Performance in Senegal

Despite an increase in the share of female-owned existing and new start-up firms in Senegal, there is still a wide belief that female entrepreneurs are discriminated against in the credit market. This paper empirically investigates such gender-bas...

Female Entrepreneurship, Access to Credit and Firms' Performance in Senegal

There has been a noticeable improvement in female entrepreneurship in Senegal. From 2007 to 2014, the total share of female-owned firms in the country has grown from 23.8% to 32.1%. The share of female entrepreneurs in new start-ups, in particul...

Is there Discrimination Against Female Entrepreneurs in Formal Credit Markets in Nigeria?

Access to finance is often cited as one of the major factors impeding the growth of women-owned businesses in developing countries. However, one critical question that remains in the existing literature is whether this “access problem” is due to a...

Combining Credit and Training to Support Micro and Small Enterprises in Ethiopia

Over the last two decades, the government of Ethiopia, in collaboration with other development actors, has implemented various programs to develop the Micro and Small Enterprises (MSE) sector. Developing the MSE sector aims to promote inclusive g...

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