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Constraints of Accessing Debt Financing from Commercial Banks among Small and Medium Enterprises in Tanzania: A Literature Review

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dc.creator Mashenene, Robert Galan
dc.date 2019-06-04T11:45:23Z
dc.date 2019-06-04T11:45:23Z
dc.date 2015-07-03
dc.date.accessioned 2022-10-20T08:35:14Z
dc.date.available 2022-10-20T08:35:14Z
dc.identifier 978-1-63415-477-2
dc.identifier http://dspace.cbe.ac.tz:8080/xmlui/handle/123456789/213
dc.identifier.uri http://hdl.handle.net/123456789/79539
dc.description Elsewhere in the world including Tanzania, Small and Medium Enterprises (SMEs) have been constrained with difficulties to access debt finance from commercial banks (CBs). This paper examines the critical constraints facing SMEs to access debt finance from FIs in Tanzania.Variables such as lack of collateral, low value of collateral, high interest rate, unavailability of loan information, low risk taking propensity, poor saving habits, bureaucratic loan procedures, business informality, poor repayment habits and corruption among CBs’ employees were measured using quantitative approach. Twelve (12) up-to-date related literatures (2011-2015) were intensively reviewed to extract the constraints which appear most frequently. Percentages and frequencies of ten (10) studied variables were computed and presented using a table and bar chart. The findings indicate that lack of collateral, low value of collateral, low risk-taking propensity, poor saving habits and high interest rates are significant constraints for ease access of debt finance from CBs. The study recommends that such challenges need to be curbed by policy makers by harmonizing lending schemes of all CBs and re-engineering training programmes in order to enable SMEs to access credit.
dc.format application/pdf
dc.language en
dc.publisher College of Business Education
dc.subject Debt Financing, Small and Medium Enterprises, Commercial Banks, Challenges, Tanzani
dc.title Constraints of Accessing Debt Financing from Commercial Banks among Small and Medium Enterprises in Tanzania: A Literature Review
dc.type Article


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