Role of credit guarantee in promoting SMES development in Morogoro Municipality: A case of CRDB bank plc in collaboration with PASS
A dissertation submitted in partial fulfilment of the requirement for the award of the degree of Master of Business Administration ( MBA-CM) of Mzumbe University
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| Natura: | Tesi |
| Lingua: | inglese |
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Mzumbe University
2024
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| Accesso online: | https://scholar.mzumbe.ac.tz/handle/123456789/1829 |
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| _version_ | 1820347767330963456 |
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| author | Mary Assey, Mary |
| author_facet | Mary Assey, Mary |
| author_sort | Mary Assey, Mary |
| collection | DSpace |
| description | A dissertation submitted in partial fulfilment of the requirement for the award of the degree of Master of Business Administration ( MBA-CM) of Mzumbe University |
| format | Thesis |
| id | oai:41.59.85.69:123456789-1829 |
| institution | Mzumbe University |
| language | English |
| publishDate | 2024 |
| publisher | Mzumbe University |
| record_format | dspace |
| spelling | oai:41.59.85.69:123456789-18292024-12-17T10:00:46Z Role of credit guarantee in promoting SMES development in Morogoro Municipality: A case of CRDB bank plc in collaboration with PASS Mary Assey, Mary Poverty alleviation SMEs Microfinance institutions-Tanzania Human resource development Credit guarantee A dissertation submitted in partial fulfilment of the requirement for the award of the degree of Master of Business Administration ( MBA-CM) of Mzumbe University SMEs contribute to employment, Gross Domestic Product (GDP) enhancementinnovations, human resource development and poverty alleviation. It has been found that it is not only the big businesses that provide the foundations of the nations economies, but small enterprises also play significant role in developing the economies of nationsHowever, the pace shown among SMEs that accessed credit guarantee is not promisingThe general objective of the study was to examine the role of credit guarantee in promoting SMEs development through CRDB Bank in collaboration with PASS inMorogoro municipality. Case study research design was utilized in the methodology. A sample size of 50respondents including SMEs owners and manager were used in the study. Data collected were analysed using excel software to obtain frequency and percentage distribution as major variables. The findings indicated that 80% of respondents argued that they have knowledge on how to access credit guarantee from financial or private sector trusts as assisted by PASSafter collaborating banks accept the client with the PASS business plan and the waypartial credit guarantee from PASS enable SMEs to top up in case of inadequate collateral. Likewise, 87% of respondents stated that loan conditions direct the management of the SMEs to influence the credit guarantors or lenders to either give ordeny the applications from the SMEs. This has be so from the fact that, without showingthe ability to access and utilize the loan well the credit guarantee would be deemed tonothing while channelling funds to the wrong client. Furthermore, 80% of respondentsreported that regulatory framework on accessing guarantee seemed to hinder SMEs toaccess credit easily. With these conditionalities some SMEs unable to access the creditguarantee. It is concluded that SMEs‟ needs framework that has profound effect on theirperformance as the situation and conditions of the borrowing SMEs and loancharacteristics impinge SMEs to access loans and ultimately non-repayments. Private 2024-12-17T10:00:41Z 2024-12-17T10:00:41Z 2015 Thesis APA https://scholar.mzumbe.ac.tz/handle/123456789/1829 en application/pdf Mzumbe University |
| spellingShingle | Poverty alleviation SMEs Microfinance institutions-Tanzania Human resource development Credit guarantee Mary Assey, Mary Role of credit guarantee in promoting SMES development in Morogoro Municipality: A case of CRDB bank plc in collaboration with PASS |
| title | Role of credit guarantee in promoting SMES development in Morogoro Municipality: A case of CRDB bank plc in collaboration with PASS |
| title_full | Role of credit guarantee in promoting SMES development in Morogoro Municipality: A case of CRDB bank plc in collaboration with PASS |
| title_fullStr | Role of credit guarantee in promoting SMES development in Morogoro Municipality: A case of CRDB bank plc in collaboration with PASS |
| title_full_unstemmed | Role of credit guarantee in promoting SMES development in Morogoro Municipality: A case of CRDB bank plc in collaboration with PASS |
| title_short | Role of credit guarantee in promoting SMES development in Morogoro Municipality: A case of CRDB bank plc in collaboration with PASS |
| title_sort | role of credit guarantee in promoting smes development in morogoro municipality a case of crdb bank plc in collaboration with pass |
| topic | Poverty alleviation SMEs Microfinance institutions-Tanzania Human resource development Credit guarantee |
| url | https://scholar.mzumbe.ac.tz/handle/123456789/1829 |
| work_keys_str_mv | AT maryasseymary roleofcreditguaranteeinpromotingsmesdevelopmentinmorogoromunicipalityacaseofcrdbbankplcincollaborationwithpass |