Dissertation (MA Business Administration)This study aimed at analyzing the mediating effects of access to credits on the relationship between individual factors and the profitability of SMEs in Tanzania. The study used cross sectional design as the methodological approaches of which quantitative and qualitative approaches were combined. In the analysis, the study used logistic regression model and structural equation modelling because of the nature of the relationship analyzed. This study has identified problems related to the owners and pointed out that majority of the owners have individual factors which are difficult to be given loans. This means that there is evidence to support the case that majority of Tanzania SMEs have credit constrains. Therefore, majority of the SMEs are suffering from the poor performance in terms of poor profit they create. The study recommends the improvement of business skills to the owners of SMEs, improving experiences of the owners of SMEs, reducing credit requirements, and removing solving of gender imbalance. It was recommended that training associated with business skills such as entrepreneurship skills, networking skills, marketing skills, leadership skills like managerial competency skills should be given to the owners so as they improve their skills in order to improve the accessibility of the credit and therefore increase the profit of the SMEs. Future studies can capture profitability using continuous variable so as to see the trends of the profitability. Also, future studies can study performances using other variables such as nonfinancial indicators such as customer satisfactions.