A Dissertation Submitted to Mzumbe University, Dar es Salaam Campus College in
Partial Fulfillment of the Requirements for the Award of the Degree of Master of
Business Administration (Corporate Management) of Mzumbe University
Small Business Entrepreneurship has been seen as a hub in generating income for the
majority in urban dwellers with no formal paid employment. In Tanzania, entry into
small and medium entrepreneurship is usually not seen as a problem. One can start
small business at any time and in any place. The overall objective of this study was to
identify, measure as well examine the most factors which hinders SME’s in accessing
credit from Commercial Banks particularly NMB Plc. On top of that, the study also
offers recommendations on what should be done to counteract those factors in order to
foster credit access to SME’s.
The study was conducted at NMB Kariakoo Business Centre, Dar es Salaam. The place
was selected due to its role where it deals particularly with SME customers only.
The sample involved 58 respondents; 8 NMB employees at the Kariakoo Business
Centre and 50 NMB customers both existing and prospective borrowers who came at
banking hall. Data obtained from questionnaires were inserted to a data entry screen for
analysis into frequencies, percentages, charts, and graphs.