Browsing by Author "Emmanuel Angulo Ongaba"

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    Credit access and financial performance of small and medium enterprises (SMEs):a case study small and medium enterprises in Kumi Municipal Council, North Division
    (Uganda Christain University, 2026-04-20) Emmanuel Angulo Ongaba
    This study was conducted to find out the relationship between credit and the growth of Small and Medium Enterprises in Kumi municipal council. The study was set to address the following specific objectives: to examine the nature of credit facilities offered to the small and medium enterprises at Kumi municipal council, to determine the level of growth of small and medium enterprises at Kumi municipal council, to determine the relationship between credit facilities and growth of small and medium enterprises. The researcher uses a descriptive and analytical research design to establish a relationship between the two variables and to exhaust all areas in the research. A sample size of 300 Small and Medium Enterprises from Kumi municipal council was used and sampled. Questionnaires and interviews were also be used to collect data which were processed by tabulation, and also narrations inform of description accounted was for easy understanding of the findings. The findings indicated that 70% respondents were in agreement that credit is very important for the growth of their businesses. The overall evaluation of the study was to find a relationship between credit and growth of Small and Medium Enterprises in Kumi municipal. The study recommended that among other things, there is need to revise the lending policies, terms and conditions for loans, so that they favor the Small and Medium Enterprises. In addition, the interest rates on loans need to be reduced.