Browsing by Author "NAMAYANJA ESTHER"

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    FINANCIAL ACCESSIBILITY AND GROWTH OF SMES IN KAWEMPE DIVISION KAMPALA
    (UGANDA CHRISTIAN UNIVERSITY, 2025-09-25) NAMAYANJA ESTHER
    The study's goal was to investigate the growth and financial accessibility of SMEs in Kampala's Kawempe Division. The following are the objectives guided the research: to ascertain the relationship between credit policy and SME growth in Kawempe division, to quantify the relationship between interest rates and SME growth in Kawempe division, and to ascertain the relationship between financial awareness and SME growth in Kawempe division. A cross-sectional survey research design was utilized in the research. To enable conclusions regarding the population of interest at a given point in time, the design involves data collection. The research established that there was a significant perception among SMEs that stringent credit conditions impede their growth opportunities. Key observations on how finances and financial management practices impact business performance can be made from analysis of answers on the relationship between interest rates and the growth of small and medium-sized enterprises (SMEs) in Kawempe Division. To help SME owners with a better grasp of financial management, financing mechanisms, and investment strategies, the study suggested introducing focused financial literacy programs. They may be in a better position to make sound decisions that drive business development in turn. It also recommended support for financial institution creation of accommodating credit policies that permit SME requirements. This includes reducing the collateral demands and offering diversified repayment terms that are in tune with small firm cash flow cycles.