The influence of individual factors on the profitability of female owned small enterprises: The mediating effects of access to credits

Makombe, Albert Raphael

dc.creator	Makombe, Albert Raphael
dc.date	2020-01-21T10:20:22Z
dc.date	2020-01-21T10:20:22Z
dc.date	2019
dc.date.accessioned	2022-10-20T14:40:05Z
dc.date.available	2022-10-20T14:40:05Z
dc.identifier	Makombe, A. R. (2019). The influence of individual factors on the profitability of female owned small enterprises: The mediating effects of access to credits (Dissertation). The university of Dodoma, dodoma.
dc.identifier	http://hdl.handle.net/20.500.12661/1906
dc.identifier.uri	http://hdl.handle.net/20.500.12661/1906
dc.description	Dissertation (MA Business Administration)
dc.description	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.
dc.language	en
dc.publisher	The University of Dodoma
dc.subject	Small enterprises
dc.subject	Credits
dc.subject	Mediating effects
dc.subject	Individual factors
dc.subject	Women businesses
dc.subject	Credit access
dc.subject	SMEs
dc.subject	Tanzania
dc.subject	Business profitability
dc.subject	Business owners
dc.subject	Credit constrains
dc.subject	Poor profit
dc.subject	Credit requirements
dc.subject	Gender imbalance
dc.subject	Managerial competency
dc.subject	Entrepreneurship skills
dc.title	The influence of individual factors on the profitability of female owned small enterprises: The mediating effects of access to credits
dc.type	Dissertation