An assessment of the link between perception of financing barriers and sources of finances: A survey of small traders in Morogoro
A dissertation submitted to Mzumbe University as a partial fulfillment of the requirement for the award of the Degree of Master of Science in Accounting and Finance (MSc) of Mzumbe University
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| 格式: | Thesis |
| 语言: | 英语 |
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Mzumbe University
2024
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| 在线阅读: | https://scholar.mzumbe.ac.tz/handle/123456789/1224 |
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| _version_ | 1820347765265268736 |
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| author | Ndabagoye, Katuye |
| author_facet | Ndabagoye, Katuye |
| author_sort | Ndabagoye, Katuye |
| collection | DSpace |
| description | A dissertation submitted to Mzumbe University as a partial fulfillment of the requirement for the award of the Degree of Master of Science in Accounting and Finance (MSc) of Mzumbe University |
| format | Thesis |
| id | oai:41.59.85.69:123456789-1224 |
| institution | Mzumbe University |
| language | English |
| publishDate | 2024 |
| publisher | Mzumbe University |
| record_format | dspace |
| spelling | oai:41.59.85.69:123456789-12242024-09-11T11:19:02Z An assessment of the link between perception of financing barriers and sources of finances: A survey of small traders in Morogoro Ndabagoye, Katuye Finance Capital Small traders A dissertation submitted to Mzumbe University as a partial fulfillment of the requirement for the award of the Degree of Master of Science in Accounting and Finance (MSc) of Mzumbe University The study was mainly aimed at assessing the link between perception of financing barriers and sources of finances by small traders in Morogoro. The study specifically looked at the ratio between different types of finances (capital mix), the reason for choosing the types of finance, the perceived barriers of each source of finance, and lastly the relationship between the ratio of source of finance and the perceived barrier of each source of finance. The study used a cross sectional study design, through questionnaires and observations and it was analyzed using SPSS. A total of 85 small traders were surveyed and five sources of financing were interviewed to get the information useful for assessing the perceptions on sources of finances. The results obtained number of perceived barriers of each source of finance that determine the reason for choosing type of financing strategy. The author categorised the results into two groups of barriers; barriers that are from internal sources, (inadequate education and proper training, etcetera) and barriers that are from external sources, (high interest rates, grace period, lack of collateral, etcetera). The study found that, barriers that are from external sources of finance are almost the same, and there is no special treatment for small traders to make able to increase their capital through those sources of finance. Based on the findings, the study recommends that proper trainings should be offered to small traders, this will decrease the perceptions and start to see those sources of finance as a good help to increase their capital. Also there is a need of big financial institutions to give them special treatment, like lowering the interest rates and offering long grace period compared to large traders, so as to make their business growing Private 2024-09-11T11:18:59Z 2024-09-11T11:18:59Z 2014 Thesis APA https://scholar.mzumbe.ac.tz/handle/123456789/1224 en application/pdf Mzumbe University |
| spellingShingle | Finance Capital Small traders Ndabagoye, Katuye An assessment of the link between perception of financing barriers and sources of finances: A survey of small traders in Morogoro |
| title | An assessment of the link between perception of financing barriers and sources of finances: A survey of small traders in Morogoro |
| title_full | An assessment of the link between perception of financing barriers and sources of finances: A survey of small traders in Morogoro |
| title_fullStr | An assessment of the link between perception of financing barriers and sources of finances: A survey of small traders in Morogoro |
| title_full_unstemmed | An assessment of the link between perception of financing barriers and sources of finances: A survey of small traders in Morogoro |
| title_short | An assessment of the link between perception of financing barriers and sources of finances: A survey of small traders in Morogoro |
| title_sort | assessment of the link between perception of financing barriers and sources of finances a survey of small traders in morogoro |
| topic | Finance Capital Small traders |
| url | https://scholar.mzumbe.ac.tz/handle/123456789/1224 |
| work_keys_str_mv | AT ndabagoyekatuye anassessmentofthelinkbetweenperceptionoffinancingbarriersandsourcesoffinancesasurveyofsmalltradersinmorogoro AT ndabagoyekatuye assessmentofthelinkbetweenperceptionoffinancingbarriersandsourcesoffinancesasurveyofsmalltradersinmorogoro |