Factors influencing micro loans default among micro & small enterprises: A case study of selected SMES in side Manyara.
A dissertation submitted to Mzumbe University as a partial fulfillment of the requirement for the award of the degree of Master’s of Science in Marketing Management (MSc-MM) of Mzumbe University.
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| Formato: | Thesis |
| Idioma: | inglês |
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Mzumbe university
2024
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| Acesso em linha: | https://scholar.mzumbe.ac.tz/handle/123456789/1570 |
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| _version_ | 1820347765304066048 |
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| author | Faraji, Abdulkarim. |
| author_facet | Faraji, Abdulkarim. |
| author_sort | Faraji, Abdulkarim. |
| collection | DSpace |
| description | A dissertation submitted to Mzumbe University as a partial fulfillment of the requirement for the award of the degree of Master’s of Science in Marketing Management (MSc-MM) of Mzumbe University. |
| format | Thesis |
| id | oai:41.59.85.69:123456789-1570 |
| institution | Mzumbe University |
| language | English |
| publishDate | 2024 |
| publisher | Mzumbe university |
| record_format | dspace |
| spelling | oai:41.59.85.69:123456789-15702024-10-31T08:25:06Z Factors influencing micro loans default among micro & small enterprises: A case study of selected SMES in side Manyara. Faraji, Abdulkarim. Loan default Business income factors SMEs A dissertation submitted to Mzumbe University as a partial fulfillment of the requirement for the award of the degree of Master’s of Science in Marketing Management (MSc-MM) of Mzumbe University. This research on factors influencing loan defaulting among SMEs was carried in SIDO Manyara. Purposely, the study aimed to assess the default of SIDO for the period between 2016 and 2018; determine factors leading the possibility of loan defaults and assess the level of loan default among the selected SMEs in Manyara Region and to borrowers and MFIs. The study also examined income, personal and social factors how they influence loan default to SMEs. The research used questionnaire and derivative data to collect information from the study area. Random sampling technique was used to pick 140 respondents. Generally, MFIs and informants of the Organization were chosen. For the case of key informants, a sample of four staff were selected to answer questions design to get key information for this study. Primary data were gathered physically from the respondents by means of designed questionnaires and other information from key informants whereas secondary data were gathered from already published materials of the organization, periodical magazines and various publications from the organization. Data obtained were analysed by multiple regression model so as measure the contribution factors in multiple linear regression in SPSS used to estimate the relationship between the factors influencing the borrowers to default. Data were entered in the SPSS and manipulated to get the desired results for analysis. The result generated from the multiple regression model indicate that business income, personal and social factors were statistical insignificant at (P>0.05). However, age group and gender as controlled variables show the significant level as p = 0.007, p = 0.005. Based on independent variables, majority of respondents identified that personal and social as major factors of loan default. The study also portrays theoretical and practical significance of the study for SMEs, MFIs and other researchers who would like to get various information concerning this topic including references. Furthermore this research recommends micro finance institutions to share with borrowers in going through repayment of loan conditions, serious monitoring of loan funds, financial training need assessment templates and where possible the use of recognized private and court broker debt collectors. The study concludes by giving policy implications of the credit policy by suggesting the areas that need more improvement and others for further studies. . Private. 2024-10-31T08:25:01Z 2024-10-31T08:25:01Z 2019 Thesis APA https://scholar.mzumbe.ac.tz/handle/123456789/1570 en application/pdf Mzumbe university |
| spellingShingle | Loan default Business income factors SMEs Faraji, Abdulkarim. Factors influencing micro loans default among micro & small enterprises: A case study of selected SMES in side Manyara. |
| title | Factors influencing micro loans default among micro & small enterprises: A case study of selected SMES in side Manyara. |
| title_full | Factors influencing micro loans default among micro & small enterprises: A case study of selected SMES in side Manyara. |
| title_fullStr | Factors influencing micro loans default among micro & small enterprises: A case study of selected SMES in side Manyara. |
| title_full_unstemmed | Factors influencing micro loans default among micro & small enterprises: A case study of selected SMES in side Manyara. |
| title_short | Factors influencing micro loans default among micro & small enterprises: A case study of selected SMES in side Manyara. |
| title_sort | factors influencing micro loans default among micro small enterprises a case study of selected smes in side manyara |
| topic | Loan default Business income factors SMEs |
| url | https://scholar.mzumbe.ac.tz/handle/123456789/1570 |
| work_keys_str_mv | AT farajiabdulkarim factorsinfluencingmicroloansdefaultamongmicrosmallenterprisesacasestudyofselectedsmesinsidemanyara |