Balarabe, Ibrahim Inuwa and Samsudin, Shamzaeffa and Abdullah, Norehan (2018) Understanding a credit supply constraints among small scale enterprises in Kano State, Nigeria: A phenomenological approach. Asian Journal of Multidisciplinary Studies, 6 (2). pp. 32-37. ISSN 2348-7186

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Abstract

This paper examines factors that constrain small scale enterprises to access credit from microfinance banks (MFBs) and possible measures to tackle these constraints. It purposively sampled experts in the field of microfinance lending to respond on this issue through an interview from eight MFBs operating within the three political zones of Kano state; Kano central, Kano north and Kano south. As a result, four major constraints were identified which include – transaction cost constraint, internal constraint, socio-cultural constraint and environmental policy constraint – as being the key factors constraining small scale enterprises' ability to access credit. Though findings show different factors that constrain credit supply, but socioeconomic factor is prevalent according to participants’ response. The paper recommends strategies to address this issue to increase small scale business’s credit market participation.

Item Type:	Article
Uncontrolled Keywords:	Credit supply, small scale enterprises, phenomenological approach
Subjects:	H Social Sciences > HC Economic History and Conditions
Divisions:	School of Economics, Finance & Banking
Depositing User:	Mrs. Norazmilah Yaakub
Date Deposited:	09 Sep 2020 07:19
Last Modified:	09 Sep 2020 07:19
URI:	https://repo.uum.edu.my/id/eprint/27459

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