| dc.creator |
Mwakababu, Jasiri, A. |
|
| dc.date |
2015-09-28T05:48:33Z |
|
| dc.date |
2015-09-28T05:48:33Z |
|
| dc.date |
2013 |
|
| dc.identifier |
http://hdl.handle.net/11192/569 |
|
| dc.description |
A dissertation submitted in partial fulfillment of the requirement for the award of the degree of Master of Business Administration (MBA-Corporate Management) of Mzumbe University |
|
| dc.description |
This study was carried out to assess the contribution of commercial banks to the success of SMEs in Tanzania. Purposive sampling was used to the select the respondents along with snowballing sampling as the first respondents who accessed the loan helped the researcher to identify others whom they knew did the same until the researcher collected sufficient data from them. Sample size was 85 SMEs. Primary data were collected using structured questionnaires and interview guide. Descriptive statistics by use of frequencies and percentages was used to analyze responses. Correlation analysis was used to determine the relationship between credit determinant factors and profit while regression analysis was used to examine the credit determinant factors effecting SMEs’ profitability.
Results showed that, grant and amount of loan provided by NMB bank had significant relationship with profit (p-value <0.01). Loan had also significant contribution to profit (p-value <0.05). Shortage of human resources development (entrepreneurial skills), bank financial restrictive regulations and lack of market information hampered more profit gains. It was recommended that, the bank should provide higher amounts of loan to SMEs with low interest rates. Business management training should be regularly provided to cope with the changing business situations, but more relevant to firms on enterprise exercises. SMEs should employ well trained and skilled personnel while considering the costs of human resource development (trainings) in their general operation costs for more entrepreneurial skills as well as customer care. The commercial bank should relax restrictive regulations which may discourage borrowing and offering more credit facilities for SMEs in Morogoro municipality. |
|
| dc.language |
en |
|
| dc.publisher |
Mzumbe University |
|
| dc.subject |
commercial banks |
|
| dc.title |
Assessment of the contribution of commercial banks to the success of smes in Tanzania: a study of NMB bank plc; Morogoro municipality |
|
| dc.type |
Thesis |
|